Gold-marked sections are mandatory
These clauses require compliance or acceptance when you use the related service. Read them before submitting a form.
Purpose
The Leaders of Tomorrow Club is committed to managing all financial transactions with integrity, transparency, and accountability.
This Refund & Donation Policy explains how membership contributions, optional donations, sponsorship-related funds, and refunds are handled through the Leaders of Tomorrow Platform.
The purpose of this Policy is to ensure that all members, donors, sponsors, and users clearly understand:
- How payments are processed.
- When refunds may be granted.
- How donations are used.
- How financial abuse is prevented.
- The Club's commitment to responsible financial management.
Scope
This Policy applies to:
- Membership contributions
- Optional donations
- Online payments
- Future paid events (if introduced)
- Sponsorship-related financial transactions
- Refund requests
- Chargebacks
- Payment disputes
This Policy does not apply to transactions conducted outside the official Leaders of Tomorrow Platform unless expressly stated by the Club.
Definitions
For the purposes of this Policy:
- Membership Contribution
- The annual amount paid to become or remain an active Club member.
- Donation
- A voluntary financial contribution made to support the Club's mission.
- Refund
- The return of money previously received by the Club.
- Chargeback
- A payment reversal initiated by a cardholder through their financial institution.
- Payment Provider
- A trusted third-party service used to process online payments.
Membership Contributions
Membership contributions support the operation and development of the Club.
The minimum annual contribution is:
50 MAD
The Executive Board may establish optional contribution tiers above the minimum amount.
Membership contributions help fund:
- Student activities
- Leadership programs
- Workshops
- Conferences
- Volunteer initiatives
- Community projects
- Digital platform maintenance
- Technical infrastructure
- Club administration
- Promotional materials
- Equipment
- Training resources
Payment of the membership contribution does not guarantee election to leadership positions, committee appointments, scholarships, awards, or any other special benefit beyond the rights associated with membership.
Voluntary Donations
The Platform may invite users to make voluntary donations to support the Club.
Donation opportunities may appear:
- During membership registration
- After successful membership approval
- During event registration
- After event participation
- On dedicated donation pages
- At other appropriate locations within the Platform
Donations are entirely optional.
Choosing not to donate will never:
- Affect membership approval.
- Affect event registration.
- Affect committee selection.
- Affect leadership opportunities.
- Affect access to Club services.
The Club does not pressure users into making donations.
Payment Methods
The Platform may accept payments through secure payment providers, including:
- PayPal
- Visa
- Mastercard
- American Express (where supported)
- Other payment methods approved by the Club
Payment methods may vary depending on the country, payment provider, and technical availability.
Payment Security
The Club prioritizes payment security.
Payments are processed through trusted third-party providers that implement industry-standard security measures.
The Platform does not intentionally store:
- Full credit card numbers
- CVV/CVC security codes
- Banking passwords
- Payment PINs
Sensitive payment information is handled by the payment provider in accordance with applicable security standards.
Refund Policy
The Club understands that exceptional circumstances may arise.
Refund requests will be considered fairly, consistently, and in good faith.
Each request will be evaluated individually based on:
- The nature of the payment
- The reason for the request
- The timing of the request
- Applicable legal requirements
- Supporting documentation where appropriate
Submitting a refund request does not guarantee approval.
Non-Refundable Payments
Unless required by applicable law or expressly approved by the Executive Board, the following payments are generally non-refundable:
- Membership contributions after approval of membership.
- Voluntary donations.
- Administrative processing fees (if applicable).
- Optional support contributions.
- Payments already used to provide the requested service.
This policy helps ensure financial stability for the Club and allows long-term planning of activities and projects.
Exceptional Refunds
The Club may, at its sole discretion, approve refunds in exceptional situations, including but not limited to:
- Duplicate payment made by mistake.
- Technical payment error resulting in multiple charges.
- Unauthorized transaction confirmed by the payment provider.
- Payment collected due to a verified system malfunction.
- Other exceptional circumstances approved by the Executive Board.
Approved refunds will normally be returned using the original payment method whenever reasonably possible.
Failed Payments
If a payment fails:
- Membership activation may be delayed.
- Event registration requiring payment (if any in the future) may remain incomplete.
- Donation processing may be cancelled.
- Users may be invited to retry the payment.
The Club is not responsible for failures caused by:
- Bank restrictions
- Insufficient funds
- Expired payment methods
- Network interruptions
- Payment provider outages
Chargebacks
Users should contact the Club before initiating a chargeback whenever possible.
If a chargeback is initiated:
- The Club may temporarily suspend related services while the dispute is investigated.
- Evidence may be submitted to the payment provider.
- Fraudulent chargebacks may result in account restrictions or termination.
Nothing in this Policy limits the user's rights under applicable payment network rules or consumer protection laws.
Fraud Prevention
To protect members and donors, the Platform implements measures designed to prevent payment fraud and abuse.
These measures may include:
- Email One-Time Password (OTP) verification
- Cloudflare Turnstile
- Browser fingerprint verification
- Device verification
- IP rate limiting
- Secure authentication
- Payment provider fraud screening
- Audit logging
- Duplicate payment detection
Transactions identified as suspicious may be delayed, declined, or reviewed before completion.
Financial Transparency
The Leaders of Tomorrow Club is committed to responsible stewardship of all funds.
Subject to operational needs and confidentiality obligations, the Club may publish periodic summaries of how funds are used.
Financial resources may be allocated to support:
- Educational activities
- Student development
- Community service
- Digital infrastructure
- Marketing and communication
- Administrative operations
- Equipment and supplies
- Event organization
Where required by law or institutional policy, additional financial reporting may be provided.
Sponsorship Funds
Funds received from sponsors or institutional partners are managed separately from voluntary donations where appropriate.
Sponsorship agreements may include specific conditions regarding the use of funds, provided that such conditions are consistent with the Club's mission, values, and applicable law.
The Club maintains editorial and operational independence and does not allow sponsorship to compromise its integrity or governance.
Use of Donations
Donations are used to advance the mission of the Club.
Examples include:
- Organizing educational events
- Leadership development
- Student competitions
- Community outreach
- Volunteer initiatives
- Purchasing equipment
- Website hosting
- Cloud services
- Software licenses
- Printing materials
- Awards and certificates
- Operational expenses
The Executive Board is responsible for ensuring that donations are used responsibly and in accordance with the Club's objectives.
Donor Recognition
The Club may recognize donors publicly, such as through acknowledgments on the Platform or at events.
Public recognition will only occur with the donor's consent where required.
Donors may request to remain anonymous.
The amount of an individual's donation will not be disclosed publicly without the donor's explicit permission.
Tax & Receipts
Where applicable, the Platform may issue electronic payment confirmations or receipts.
Users are responsible for determining whether their payments qualify for any tax treatment under applicable law.
The Club does not provide tax, legal, or financial advice.
Currency
All membership contributions, donations, and other amounts are displayed in the currency specified by the Club for the relevant transaction.
Where payment providers support multiple currencies, any conversion rates or additional fees are determined by the payment provider or the user's financial institution.
Changes to This Policy
The Club may revise this Refund & Donation Policy from time to time to reflect changes in:
- Payment methods
- Applicable laws
- Club operations
- Financial practices
- Technology
Updated versions will be published on the Platform, and material changes will be communicated where reasonably practicable.
Continued use of the Platform after the effective date of an updated Policy constitutes acceptance of the revised version.
Contact Information
Questions regarding payments, donations, sponsorship funds, or refund requests should be submitted through the official contact information published on the Leaders of Tomorrow Platform.
The Club will review inquiries as promptly as reasonably possible.
Acceptance
By paying a membership contribution, making a voluntary donation, or completing any financial transaction through the Leaders of Tomorrow Platform, you acknowledge that:
- You have read and understood this Refund & Donation Policy.
- You agree to its terms.
- You understand that donations are voluntary.
- You understand that membership contributions and donations are generally non-refundable except as described in this Policy or required by applicable law.
Electronic acceptance of this Policy through the Platform shall have the same legal effect as a handwritten signature, subject to applicable law.
