Dona terms of service

These terms are an agreement between you and Relai Group, Inc. By creating a Dona account, adding a card, or using any part of Dona, you agree to everything on this page. If you do not agree, do not create an account.

1. Who you are agreeing with

Dona is a product of 35th Street Builders (“3sb”), which is part of Relai Group, Inc. Relai Group, Inc. is the operator of Dona and the party responsible for the service under these terms. In this document, “Dona” means the service, and “Relai,” “we,” “us,” and “our” mean Relai Group, Inc., 3sb, and their officers, directors, employees, contractors, agents, affiliates, and successors, together.

2. What Dona does

Dona recovers money left on open-loop gift cards. You enter a card you own, Dona finds out what is left on it, and that amount is credited to a Dona wallet. Once your wallet clears $4.00 you can move the money to your bank account.

Dona is not a bank. Your Dona wallet is a record of what Dona owes you, not a deposit account, and it is not insured by the FDIC or any other insurer. Dona does not pay interest on a wallet balance. Dona is not affiliated with, endorsed by, or acting on behalf of any card issuer, retailer, or card network.

3. Eligibility and your account

You must be at least 18 years old, a resident of the United States, and able to enter a binding contract. One account per person. You are responsible for keeping access to your email address secure, because Dona signs you in with a link sent to that address. Anything done through your account is treated as done by you.

Dona may refuse, limit, or close an account at any time, including where a card looks stolen, where activity looks like card testing, or where the law requires it.

4. Cards you add

Dona supports Visa, Mastercard, Amex, and Discover gift cards, the kind that can be spent anywhere. Store cards are not supported.

Every time you add a card, you represent that the card is yours, that you obtained it lawfully, and that you have the right to move the money on it. You agree not to add a card that belongs to someone else, that was reported lost or stolen, or that you acquired through fraud. Adding a card you do not own is a violation of these terms and may be a crime.

Card details are collected and stored by Stripe, not by Dona. Dona keeps a payment token, the card brand, the last four digits, the expiry, and Stripe’s fingerprint for the card.

5. How Dona finds the balance, and what you accept about it

Dona finds the remaining balance by charging the card. You tell Dona what the card was worth to begin with, Dona authorizes an amount, and on an insufficient-funds decline Dona works downward until it finds an amount the issuer approves. Dona then captures that amount and credits it to your wallet. Dona never charges more than the amount you stated. Finding the balance takes up to 18 authorization attempts on one card, most of which the issuer declines. Only one attempt is ever captured, and every other authorization is released.

This method has real limits, and by using Dona you accept all of them:

• Dona may not recover the full remaining balance. A small amount can be left on the card and may be unrecoverable through Dona.
• The attempts appear to the issuer as ordinary purchase attempts and declines. An issuer may place a temporary hold on funds, flag the card, freeze it, or refuse further authorizations. Holds are released by the issuer on the issuer's own timeline, not Dona's.
• A card reported as lost, stolen, or fraudulent stops the process immediately and is not retried.
• A card can be devalued, expire, or become unusable for reasons outside Dona's control, including issuer action taken in response to Dona's attempts.

You acknowledge that you are asking Dona to charge your card on your behalf, and that you accept the risk of any resulting loss of value, hold, freeze, or restriction on that card.

6. Your wallet and the $500.00 limit

Your wallet holds $500.00 at most. A card that would push your balance past $500.00 is refused before Dona charges it. Move money out first, then come back to the card.

A wallet balance is recorded in whole cents in US dollars. Dona’s records of your balance, claims, transfers, and fees are the authoritative record. If you believe a figure is wrong, tell Dona within 60 days of the entry.

7. Fees and the $4.00 minimum

Adding a card is free. Dona charges when money leaves your wallet. Transfers under $100.00 cost $1.00 plus Stripe fees. Transfers of $100.00 and over cost $2.50 plus Stripe fees. The fee comes out of your wallet on top of the amount you enter, so you receive exactly the figure you typed.

The minimum transfer to your bank is $4.00. One transfer at a time: while one is on its way, a second is refused until it lands. Fees may change, and a change applies to transfers made after it takes effect.

8. Paying once

$499.00 once, and for ten years that account pays no transfer fee, no Stripe fee, and has no minimum transfer. One hundred people hold a pass at a time. When every seat is held, a purchase attempt is held until a seat opens, and Dona emails you with 48 hours to confirm the seat when one does.

A pass is non-refundable, is tied to one account, and cannot be transferred or resold. A pass does not survive closure of your account, whether you close it or Dona does. If Dona stops operating before the ten years are up, the pass ends with the service and no refund is owed.

9. Transfers, your bank, and Stripe

Money leaves your wallet through Stripe. To move money out you connect a bank account through Stripe’s onboarding and provide the identity information Stripe requires. Stripe’s own terms apply to that relationship, and Stripe, not Dona, decides whether to accept you, hold funds, or reverse a payout.

Transfers usually arrive in one to two business days. Dona is not responsible for how long your bank takes, for a transfer sent to bank details you entered incorrectly, or for a delay, hold, reversal, or account action taken by Stripe or your bank. If a payout fails, the amount is returned to your wallet and you can try again.

10. Idle balances

After 90 days sitting above the minimum with nothing moved out, Dona prompts a transfer in the app and emails you. Your money stays in your wallet until you move it. You are responsible for moving your money out, and for keeping your email address current so those notices reach you.

11. Taxes

Any tax owed on money you recover through Dona is yours to work out and pay. Dona does not give tax advice.

12. Acceptable use

You agree not to use Dona to launder money, test stolen card numbers, probe cards you do not own, evade a limit, create more than one account, scrape or reverse engineer the service, interfere with its operation, or break any law. Dona may pause card adding on an account with a run of declines, and may report suspected fraud to card issuers, Stripe, or law enforcement.

13. Closing an account

You can close your account at any time, unless your wallet holds money or a transfer is pending. Move your money out first. Dona may suspend or close an account at any time, with or without notice. On closure, Dona keeps the ledger records it needs for reconciliation and legal compliance. Sections 5, 11, 14, 15, 16, 17, and 18 survive closure.

14. Dona is provided as is

Dona is provided “as is” and “as available,” without warranty of any kind. To the fullest extent the law allows, Relai disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty that Dona will be uninterrupted, secure, error free, or that it will recover any particular amount from any card. No advice or information from Dona, whether in the app, in email, or in support, creates a warranty.

Dona depends on services it does not control, including Stripe, card issuers, card networks, banks, email providers, and hosting providers. Dona is not responsible for their acts, omissions, outages, or decisions.

15. Release and limitation of liability

This section limits what you can recover from Dona, 3sb, and Relai Group, Inc. Read it.

You use Dona at your own risk. To the fullest extent permitted by law, you release and agree not to hold Dona, 35th Street Builders (3sb), or Relai Group, Inc., or any of their officers, directors, employees, contractors, agents, affiliates, or successors, liable for any loss, damage, cost, or harm arising out of or relating to your use of Dona. That includes, without limitation:

• value left on, lost from, or stranded on a gift card, before, during, or after Dona's attempts to read its balance;
• a hold, freeze, flag, devaluation, cancellation, or refusal to authorize placed on a card by its issuer, including one prompted by Dona's attempts;
• a card added to Dona that turns out not to be yours;
• a failed, delayed, duplicated, reversed, or misrouted transfer, and any overdraft, returned item, or bank charge connected to one;
• any act, omission, outage, fee, hold, or account decision by Stripe, a bank, a card issuer, or a card network;
• a wallet balance affected by a bug, an outage, data loss, or unauthorized access to your account or email;
• the value of a pay-once pass if the service changes, is suspended, or stops operating;
• tax, penalty, or interest owed on money you recover;
• fraud or unauthorized use committed by a third party.

To the fullest extent permitted by law, Relai is not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, or loss of goodwill, even if Relai was told such damages were possible.

Where liability cannot be excluded, the total liability of Dona, 3sb, and Relai Group, Inc. for all claims relating to Dona is limited to the greater of the total fees you paid Dona in the 12 months before the claim, or $100.00.

Some states do not allow certain exclusions or limits, so parts of this section may not apply to you. In that case those parts are limited to the minimum the law allows and the rest still applies.

16. Indemnification

You agree to defend, indemnify, and hold harmless Dona, 35th Street Builders (3sb), and Relai Group, Inc., and their officers, directors, employees, contractors, agents, and affiliates, from any claim, demand, loss, liability, or expense, including reasonable legal fees, arising out of a card you added that you did not own or lawfully hold, your breach of these terms, your violation of any law, or a chargeback, dispute, or claim brought by a card issuer or third party relating to your use of Dona.

17. Disputes

If something goes wrong, tell Dona first. Send a written description of the dispute and what you want to hello@3sb.io. Both sides agree to try to resolve it informally for 30 days before starting a formal proceeding.

If that does not resolve it, you and Relai Group, Inc. agree that any dispute relating to Dona or these terms will be settled by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, in New Castle County, Delaware, or by video or telephone at your election. Either side may still bring an individual claim in small claims court.

Claims may be brought only in your individual capacity, not as a plaintiff or class member in any class, collective, or representative proceeding, and the arbitrator may not consolidate claims. You and Relai Group, Inc. waive any right to a jury trial.

Any claim must be brought within one year of the event that gave rise to it, or it is waived.

18. Governing law

These terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Where a claim proceeds in court rather than arbitration, you and Relai Group, Inc. consent to the exclusive jurisdiction of the state and federal courts located in New Castle County, Delaware.

19. Changes to these terms

Dona may change these terms. Material changes are emailed to the address on your account and posted at dona.3sb.io/legal/terms with a new effective date. Continuing to use Dona after a change takes effect means you accept the new terms. If you do not accept them, move your money out and close your account.

20. The rest

These terms, together with the Dona privacy policy, are the entire agreement between you and Relai Group, Inc. about Dona. If a provision is unenforceable, the rest stays in force. Relai’s failure to enforce a provision is not a waiver of it. You may not assign these terms; Relai may assign them in connection with a merger, acquisition, or sale of assets. Nothing here creates a partnership, agency, or employment relationship.

21. Contact

Attention: Dona @ 3sb
Relai Group, Inc.
hello@3sb.io