SAT CATALYST FUND PLATFORM TERMS AND CONDITIONS
Effective Date: The date shown with the published version of these Terms.
1. AGREEMENT TO THESE TERMS
These Terms and Conditions ("Terms") are a binding agreement between you and Catholic Mission Network, Inc. ("CMN," "we," "us," or "our") governing your access to and use of the SaT Catalyst Fund website, platform, and related services (collectively, the "Services"). CMN operates the Services through its wholly owned operating arm, SaT Catalyst, LLC.
By creating an account or affirmatively accepting these Terms, you agree to these Terms and acknowledge the Privacy Policy. If you use the Services for an organization, you represent that you have authority to bind that organization, and "you" includes both you and the organization. If you do not agree, do not create an account or use a protected part of the Services.
Separate agreements may govern a Designated PRI Account, charitable contribution, project application, loan, promissory note, signature, disbursement, repayment, or other transaction. If a transaction-specific agreement conflicts with these Terms on the subject of that transaction, the transaction-specific agreement controls.
2. ELIGIBILITY AND AUTHORITY
You may use the Services only if you are located in the United States, are at least 18 years old, can enter into a binding agreement, and are not prohibited from using the Services under applicable law. An organization may use the Services only through an authorized representative.
You must provide accurate, current, and complete information and keep it updated. You may not impersonate another person, create an account for someone without authority, misstate your organizational role, or use the Services for a prohibited or unlawful purpose.
We may require identity, authority, eligibility, sanctions, tax, charitable-purpose, organizational, or transaction information before approving an account, application, project, payment, or investment. We may refuse or condition access when information is incomplete, inconsistent, or cannot be verified.
3. THE SERVICES AND CMN'S ROLE
The Services provide administrative tools for Designated PRI Accounts, charitable contributions, project applications, program-related investments, project commitments, payment and check workflows, signed documents, account reporting, and related communications.
CMN retains legal control and fiduciary oversight over charitable assets it receives. A dashboard labeled as a Designated PRI Account is an internal administrative record of charitable capital and activity. It is not a bank account, brokerage account, deposit account, wallet, or asset owned by the user. Donor, advisor, or account-holder recommendations are advisory. CMN retains final discretion to approve, reject, defer, structure, modify, or decline a proposed charitable use, project, investment, distribution, or beneficiary designation, subject to applicable law and any controlling agreement.
The Services do not make you a shareholder, member, creditor, owner, partner, fiduciary, employee, or agent of CMN or SaT Catalyst. No user has a personal right to withdraw charitable assets or receive repayment of principal or interest from a program-related investment unless a separate written agreement expressly provides otherwise.
4. CHARITABLE CONTRIBUTIONS AND DESIGNATED PRI ACCOUNTS
A direct contribution accepted by CMN is a charitable contribution to CMN, not a deposit into a user-owned account. A grant from a Donor Advised Fund is subject to the sponsoring organization's review and, when completed, is generally irrevocable charitable capital under the control of the recipient charity. Donors and advisors may make recommendations only to the extent permitted by CMN's policies and applicable law.
CMN will determine whether and when a contribution is accepted, acknowledged, allocated, available for deployment, returned, corrected, or subject to a separate restriction. A pending pledge, check instruction, grant request, or Stripe Checkout Session is not a posted contribution until the applicable funds and provider confirmation are received and the SaT ledger records the transaction as posted.
Contribution acknowledgments and dashboard records are provided for administration and recordkeeping. They are not a guarantee that a contribution is deductible for a particular person, entity, year, or purpose. You are responsible for obtaining tax, legal, and financial advice from your own advisors.
5. FEES AND PAYMENT PROCESSING
Fees applicable to a Designated PRI Account or transaction will be disclosed in the Fund Agreement, application, transaction screen, or other controlling record. The currently displayed schedule includes a two-percent donation receipt fee, no investment or management fee on allocated dollars, a two-percent beneficiary distribution fee, no reinvestment fee, a four-percent exit or closing fee, and a one-percent annual fee on unallocated dollars. The exact approved agreement and transaction-specific disclosure control.
We may change fees prospectively after providing any notice and obtaining any consent required by the controlling agreement or law. We will not retroactively change a completed transaction's disclosed fee merely by revising these Platform Terms.
Stripe processes supported online payments and may collect bank, payment, identity, device, and fraud-prevention information under Stripe's terms. Checks and Donor Advised Fund grants are completed outside Stripe and may require manual confirmation. Payment delays, reversals, returns, provider fees, insufficient funds, incorrect instructions, and third-party processing errors may delay or prevent posting. You authorize us to use provider status and transaction references to reconcile the SaT ledger.
6. PROJECT APPLICATIONS AND PROJECT OWNERS
A project submission is an application for review, not a promise of publication, financing, endorsement, timing, or funding. CMN may request additional information, conduct diligence, decline an application, require revisions, archive or reset a submission, or condition approval on separate legal and financial documentation.
Project owners represent that submitted information is accurate, not misleading, and lawfully provided; that they have the authority and rights needed to submit documents and media; and that the proposed project and requested financing comply with applicable law. Project owners must promptly correct material changes.
Approval for public display is separate from approval for financing. Any loan, investment, disbursement, repayment, security interest, reporting obligation, or other project obligation is governed by the final signed note and related transaction documents. The Platform does not modify those documents unless an authorized party completes the approved amendment process.
7. NO PROFESSIONAL OR INVESTMENT ADVICE
The Services and public content are for administrative and informational purposes. CMN and SaT Catalyst do not provide legal, tax, accounting, investment, brokerage, or individualized financial advice through the Services. Nothing on the Services is an offer to sell securities, a solicitation to purchase securities, or a guarantee of charitable treatment, approval, funding, repayment, performance, impact, return, or tax result.
You are responsible for evaluating the legal, tax, accounting, financial, and operational consequences of your decisions with qualified independent advisors. Public project descriptions, dashboards, estimates, and status labels may be incomplete, delayed, or subject to correction. Signed agreements, CMN's authoritative books and records, and applicable law control over an inconsistent informational display.
8. ACCOUNTS AND SECURITY
You are responsible for your account credentials and activity conducted through your account. Use a unique password, do not share credentials, and notify us promptly at info@satcatalyst.com if you suspect unauthorized access. You must not attempt to access another user's account or information.
We may require a password reset, reauthentication, additional verification, or temporary restriction when we detect risk. We may rely on instructions received through an authenticated account until we have reasonable notice that the account is compromised, but authentication does not override transaction-specific authorization requirements.
9. ELECTRONIC COMMUNICATIONS, RECORDS, AND SIGNATURES
You agree that routine platform communications may be sent electronically to the email address associated with your account or made available through the Services. Electronic records and signatures may not be denied effect solely because they are electronic, but specific consumer disclosures may require the separate Electronic Records and Signatures Consent presented with the applicable workflow.
When you type a legal signature, check an agreement box, or select another clearly identified electronic-signature control, you intend that act as your signature or assent for the identified document. We may retain the document version, account identity, signature text, timestamp, Internet Protocol or device evidence, and related audit events to establish the record.
Do not sign for another person unless you have documented legal authority. You may request a reproducible copy of an executed electronic record and may print or save records made available through the Services.
10. USER CONTENT AND PERMISSIONS
You retain your ownership rights in information, documents, images, videos, trademarks, and other content you submit ("User Content"). You grant CMN and SaT Catalyst a nonexclusive, worldwide, royalty-free license to host, copy, process, format, transmit, and display User Content only as reasonably needed to provide, secure, administer, review, document, and, when you and CMN approve publication, promote the applicable account, project, or charitable program.
You represent that you have the rights and permissions required for the User Content and that our authorized use will not violate another person's intellectual-property, privacy, publicity, confidentiality, or contractual rights. We may remove or restrict content that violates these Terms, law, rights, security, or an approved publication decision.
Private applications and uploaded financial documents are not made public merely because they are submitted. Publication of approved project content is governed by the project review and publication workflow.
11. ACCEPTABLE USE
You may not:
- violate law, sanctions, export controls, or another person's rights; - submit fraudulent, deceptive, defamatory, infringing, malicious, or unlawfully obtained content; - use the Services to facilitate money laundering, fraud, payday lending, illegal discrimination, prohibited financing, or another unlawful financial activity; - probe, scan, disrupt, reverse engineer, overload, or bypass the Services or their security and access controls; - introduce malware, automated abuse, scraping, or unauthorized bots; - access, copy, disclose, or use another user's private information without authority; - manipulate transaction status, accounting references, signatures, audit evidence, or project information; or - use the Services or private data to train a model, build a competing dataset, or provide unauthorized third-party access.
We may investigate suspected violations and preserve or disclose evidence as permitted by the Privacy Policy and law.
12. THIRD-PARTY SERVICES
The Services rely on third parties including Vercel, Supabase, Stripe, Resend, Upstash, and, when enabled, Intuit QuickBooks. A third-party service may have separate terms, privacy practices, availability, and legal obligations. We are not responsible for a third party's independent service, but we remain responsible for our own promises and for selecting and using providers in accordance with applicable obligations.
The QuickBooks integration is an internal, administrator-authorized accounting and reconciliation tool. End users do not receive QuickBooks credentials or a right to access CMN's QuickBooks company. In its current phase, the integration reads approved Accounting API records and does not create, edit, delete, void, or pay QuickBooks records.
13. INTELLECTUAL PROPERTY
Except for User Content and third-party materials, CMN, SaT Catalyst, and their licensors own the Services, software, interface, branding, text, design, compilations, and other protected materials. Subject to these Terms, CMN grants you a limited, revocable, nonexclusive, nontransferable right to use the Services for their intended purpose.
No right to source code, trademarks, data compilation, or another user's content is granted. You may not copy, sell, sublicense, publicly display, or create derivative works from protected Services content except as permitted in writing or by law.
14. SUSPENSION, TERMINATION, AND ACCOUNT CLOSURE
You may request account closure by contacting info@satcatalyst.com. We may suspend or terminate access for violation of these Terms, security risk, legal requirement, inactivity, loss of eligibility, false information, or operational discontinuation. When practical, we will provide notice and an opportunity to address a non-urgent issue.
Account closure does not reverse a charitable contribution, invalidate an executed record, cancel a separate agreement, or require deletion of posted ledger entries, approved or linked applications, signed documents, accounting evidence, or records that CMN must retain. We may restrict retained information to authorized personnel and use it only for the reason requiring retention.
Sections that by their nature should survive termination—including transaction obligations, intellectual property, disclaimers, limits of liability, dispute terms, and record retention—will survive.
15. SERVICE CHANGES AND AVAILABILITY
We may add, modify, suspend, or discontinue a feature. We will use reasonable care around active transactions and provide any notice required by a controlling agreement or law. We do not guarantee that the Services will always be uninterrupted, error-free, or available from every location or device.
We may correct clerical, display, synchronization, or calculation errors. A correction will not authorize an unrecorded financial transaction or change a signed agreement without the required approval.
16. DISCLAIMER OF WARRANTIES
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." CMN AND SAT CATALYST DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT APPROVAL, FUNDING, DEPLOYMENT, PAYMENT, REPAYMENT, RETURN, TAX TREATMENT, CHARITABLE IMPACT, OR ANY PARTICULAR RESULT.
Some jurisdictions do not permit certain disclaimers, so this section applies only to the extent permitted by applicable law. Nothing in these Terms waives a right or duty that cannot lawfully be waived.
17. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CMN, SAT CATALYST, AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OPPORTUNITY, OR GOODWILL, ARISING FROM THE SERVICES.
EXCEPT FOR LIABILITY THAT CANNOT LAWFULLY BE LIMITED, THE AGGREGATE LIABILITY OF CMN AND SAT CATALYST ARISING FROM THE SERVICES WILL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS OR THE PLATFORM AND ADMINISTRATIVE FEES ACTUALLY CHARGED TO YOU DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. CHARITABLE CONTRIBUTIONS, GRANTS, LOAN PRINCIPAL, AND OTHER CAPITAL ARE NOT PLATFORM FEES FOR PURPOSES OF THIS LIMIT.
This allocation of risk is part of the agreement.
18. INDEMNIFICATION
To the extent permitted by law, you will defend, indemnify, and hold harmless CMN and SaT Catalyst from third-party claims, damages, and reasonable costs arising from your unlawful use of the Services, material breach of these Terms, User Content that violates another person's rights, or a material misrepresentation in an application or transaction. This obligation does not apply to the extent a claim results from CMN's own unlawful conduct or negligence.
19. GOVERNING LAW AND DISPUTES
These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law rules, except where federal law or another mandatory law applies. Before filing a claim, you and CMN agree to make a good-faith effort for 30 days to resolve the dispute through written notice sent to the contact address below.
Unless applicable law requires otherwise, a dispute that is not resolved informally must be brought exclusively in a state court located in Forsyth County, Georgia, or the federal court with jurisdiction over Forsyth County, and each party consents to that court's personal jurisdiction. These Terms do not create mandatory arbitration or a class-action waiver.
20. CHANGES TO THESE TERMS
We may revise these Terms for future use of the Services. The published page will identify the effective date. If a change is material, we will provide additional notice and request renewed acceptance when appropriate or required. A revision will not retroactively alter a completed transaction or signed agreement without lawful authority.
21. GENERAL TERMS
These Terms, the Privacy Policy, and each applicable transaction-specific agreement are the entire agreement for their respective subjects. If a provision is unenforceable, it will be enforced to the maximum lawful extent and the remaining provisions will continue. A failure to enforce a provision is not a waiver. You may not assign these Terms without CMN's written consent; CMN may assign them to a controlled successor responsible for operating the Services, subject to the Privacy Policy and applicable law. Headings are for convenience only.
22. CONTACT
Catholic Mission Network, Inc.
SaT Catalyst Fund Legal
1595 Peachtree Parkway, STE 204-370
Cumming, Georgia 30041
Email: info@satcatalyst.com