Terms and conditions

How your contribution works

1. Your contribution

Pushpa People contribute an amount of their choice, monthly (from £5 / $7 / €7) or annually (from £60 / $84 / €84), to the fund they join: Bangladesh, or Pakistan from November 2026. Payments are collected by Stripe. Each fund is a separate contribution, so to back a second fund you join it separately.

2. How your contribution is used

Most of your contribution goes to projects. A share is used to cover the costs of running and growing Pushpa: staff, technology, payment processing, due diligence, partner visits, marketing, professional fees such as accountants, legal advisers and consultants, and the costs of setting up and running companies owned by Pushpa Ltd. The directors set this share. It is spent only on running costs and is never paid to directors or members as profit or a return. The share is worked out across all funds combined. We publish the actual figure every month on our public ledger at pushpafund.com/ledger, and for the full year in our annual report. Where corporate partners fund our running costs, the share taken from contributions is lower. If the directors decide to set the share above 30%, we'll email all Pushpa People at least 30 days before it applies. All remaining contributions are held in the fund you chose, for projects and investments selected by Pushpa People through member voting.

3. Ring-fenced funds

Each fund is tracked separately. Money held for projects in one fund is not used for another fund, for running costs beyond the share set under section 2, or for any purpose other than those set out in these terms.

4. How each fund is used

Pushpa People decide how each fund is used through member voting. This can include grants, loans, equity or other investments in projects and businesses, and anything else that backs communities in that fund's country. Every proposal passes Pushpa's due diligence before it goes to a vote. Voting rounds take place roughly every two months, and your contribution may be held until the next round.

A fund can also be used for loans to, or investments in, companies owned by Pushpa Ltd. Each one needs its own member vote. Before the vote, we'll tell Pushpa People about any interest a director has. The terms will be no better for the company than an independent business would get. All repayments and returns go back into the same fund.

Pushpa's directors may hold money that hasn't yet been allocated in savings or deposit accounts without a vote, using profit-share accounts where available. Any interest or profit earned stays in the same fund.

5. Repayments and returns

If a loan is repaid or an investment makes a return, that money goes back into the same fund for future voting rounds. Returns are never paid to Pushpa's directors or members.

6. If a project or investment doesn't go ahead

If a voted project or investment is cancelled or doesn't need its full amount, we'll first look for another way to back the same community or business, for the purpose Pushpa People voted for. If that isn't possible, the unused money goes back into the same fund for the next voting round.

7. If Pushpa closes

If Pushpa ever stops operating, any money held in a fund will be paid to projects and investments already voted for. Any remainder will be given to an organisation with similar aims, chosen by member vote where practical, or otherwise by the directors. It will never be paid to Pushpa's directors or members.

8. What membership gives you

While your contribution to a fund is active, you have a vote in each voting round for that fund. Membership doesn't give you ownership of Pushpa, a share of any surplus, or a financial return.

9. Transparency

Every contribution and payment, including Pushpa's running costs, is published on our public ledger at pushpafund.com/ledger. We also email all Pushpa People a breakdown of running costs every month.

10. Changing or cancelling your contribution

You can change, pause or cancel your contribution at any time through your member dashboard at dashboard.pushpafund.com, or by emailing hi@pushpafund.com. If you cancel within 14 days of your first contribution, we'll refund it on request. Later contributions are not refundable.

11. Currency

Contributions in USD or EUR may be held in that currency or converted to GBP. Money is converted into local currency when it's paid out. Any currency gains or losses stay within the same fund.

Your account

12. Keeping your details right

When you join, give us accurate details and keep them up to date. Your membership is personal to you, so don't share your login. If you think someone else has accessed your account, email us at hi@pushpafund.com straight away.

13. Payments

Payments are processed by Stripe. Their terms and privacy policy apply to the payment itself. We never see or store your full card details.

Using the site

14. Fair use

Please use the site lawfully. Don't try to break, overload or gain unauthorised access to the site, our servers or any connected database. Don't upload anything harmful, such as viruses. Serious misuse may be reported to the relevant authorities.

15. Our content

The Pushpa name, logo, design, photography and written content belong to us or to people who've given us permission to use them. You're welcome to share links and posts. Please don't copy, republish or sell our content without asking first.

16. Links to other sites

We link to partner and third-party sites for your convenience. We don't control those sites and aren't responsible for their content.

17. Availability

We work hard to keep the site running, but we can't promise it will always be available or error-free. We may pause parts of it for maintenance or updates.

Ending your membership

18. If you leave

You can cancel at any time (see section 10). Your vote ends when your contribution stops.

19. If we end your membership

We may suspend or end a membership if someone seriously or repeatedly breaks these terms, for example through fraud, abuse of the voting process, or abuse towards our team or partners. Where we can, we'll tell you why and give you a chance to respond first.

Liability

20. Our responsibility to you

We're responsible for loss you suffer that is a foreseeable result of us breaking these terms or failing to use reasonable care. We're not responsible for loss that wasn't foreseeable, or for business losses. Nothing in these terms limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else the law doesn't allow us to limit. Your statutory rights are not affected.

Privacy

21. Your data

We handle your personal information in line with our Privacy Policy, which also explains how we use cookies.

General

22. Changes to these terms

We'll give Pushpa People at least 30 days' notice by email before any change to how contributions are used. This doesn't cover changes to the running-costs share, which section 2 deals with. For other changes, we'll update this page and the date at the top.

23. Law

These terms are governed by the law of England and Wales. If you live in Scotland or Northern Ireland, you can also bring a claim in your local courts.

24. Questions and complaints

Email hi@pushpafund.com and we'll get back to you.