Terms of Service

Last Updated: February 17, 2026

These Terms of Service ("Terms") govern your access to and use of PledgeDLT ("Platform"), a milestone-based crowdfunding platform operated by StackStats Apps LLC ("we," "our," or "us"). By using PledgeDLT, you agree to these Terms.

Important: PledgeDLT facilitates peer-to-peer crowdfunding using blockchain technology. We do not hold funds, guarantee project success, or act as an escrow agent. All transactions are executed on the XRP Ledger (XRPL) blockchain and are subject to blockchain immutability.

1. Acceptance of Terms

By creating an account, accessing, or using PledgeDLT, you agree to:

Be bound by these Terms and our Privacy Policy
Be at least 18 years of age or the age of majority in your jurisdiction
Provide accurate and complete information
Comply with all applicable laws and regulations

2. Platform Description

PledgeDLT provides:

A platform for creators to launch milestone-based crowdfunding campaigns
Integration with XRPL for escrow-based fund management
Tools for backers to pledge funds and vote on milestone completion
Automated escrow release based on milestone verification
Auto-refund mechanisms via time-locked escrows

We do NOT:

Hold, custody, or control user funds
Guarantee project success or delivery
Verify the accuracy of campaign information
Act as a party to any transaction between creators and backers
Provide financial, investment, or legal advice

3. User Accounts

3.1 Account Creation

You must provide a valid email address and create a secure password. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Security

You are solely responsible for all activity on your account
Notify us immediately of unauthorized access at [email protected]
Use strong, unique passwords and enable two-factor authentication when available

3.3 Account Termination

We reserve the right to suspend or terminate accounts that violate these Terms, engage in fraudulent activity, or misuse the Platform.

4. Creator Obligations

4.1 Campaign Accuracy

As a creator, you represent and warrant that:

All campaign information is accurate, complete, and not misleading
You have the legal right to offer described products/services/rewards
You will make good-faith efforts to deliver on milestones and promises
You will comply with all applicable laws, including tax obligations

4.2 Milestone Delivery

Creators must submit evidence of milestone completion before fund release
Milestones must be reasonable, achievable, and clearly defined
If unable to complete milestones, creators must communicate transparently with backers

4.3 Platform Fees

Creators agree to pay platform fees as follows:

Standard: 2% of funds raised (on milestone release)
Pro Creator ($29/mo): 1% of funds raised
Organization ($79/mo): 0.5% of funds raised

Fees are deducted automatically from escrow releases.

4.4 Prohibited Projects

Creators may NOT launch campaigns for:

Illegal products or services
Financial securities or investment contracts
Ponzi schemes, MLM, or pyramid schemes
Adult content, gambling, or weapons
Fraudulent, deceptive, or misleading offers
Projects that violate intellectual property rights

5. Backer Obligations

5.1 Pledge Commitments

Pledges are binding commitments once submitted to XRPL escrow
You understand that blockchain transactions are irreversible
Refunds are only available if milestones are not met within deadline periods

5.2 No Investment Relationship

Backing a project does NOT constitute:

An investment or equity stake
A purchase contract with guaranteed delivery
A loan or debt obligation
A right to profits or returns

5.3 Voting Responsibilities

When voting on milestone completion, backers agree to:

Review milestone evidence in good faith
Vote honestly based on whether milestones were reasonably met
Not collude to manipulate voting results

6. Blockchain & Cryptocurrency

6.1 Wallet Responsibility

You are solely responsible for your XRPL wallet and private keys
Lost or stolen keys cannot be recovered by PledgeDLT
Transactions sent to incorrect addresses are irreversible

6.2 Transaction Fees

XRPL transactions incur network fees (typically fractions of a cent)
You are responsible for all blockchain transaction costs
Platform fees are separate from network fees

6.3 Blockchain Risks

You acknowledge and accept risks including:

Network congestion or outages
Smart contract or escrow bugs
Volatility in cryptocurrency prices
Regulatory changes affecting cryptocurrency

7. Intellectual Property

7.1 Platform Content

PledgeDLT's design, logo, trademarks, and original content are owned by StackStats Apps LLC and protected by intellectual property laws.

7.2 User Content

By posting content (campaigns, images, descriptions), you grant PledgeDLT a non-exclusive, worldwide license to display, reproduce, and distribute your content on the Platform.

7.3 Copyright Infringement

If you believe content infringes your copyright, contact [email protected] with:

Description of copyrighted work
Location of infringing content
Your contact information
Good-faith statement of unauthorized use

8. Disclaimers

THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.

We disclaim all warranties, express or implied, including:

Merchantability or fitness for a particular purpose
Accuracy, reliability, or completeness of content
Uninterrupted or error-free operation
Security or freedom from viruses

We do NOT guarantee:

Project success or milestone completion
Accuracy of campaign information
Quality or legality of products/services
Behavior or identity of users

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

StackStats Apps LLC is NOT liable for any indirect, incidental, consequential, or punitive damages
Our total liability shall not exceed $100 or the amount of fees you paid in the past 12 months, whichever is greater
We are not responsible for losses due to failed campaigns, cryptocurrency volatility, or blockchain errors

10. Indemnification

You agree to indemnify and hold harmless StackStats Apps LLC, its officers, directors, and employees from any claims, damages, or expenses arising from:

Your use of the Platform
Your violation of these Terms
Your violation of any law or third-party rights
Your campaign content or conduct

11. Dispute Resolution

11.1 Governing Law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of law provisions.

11.2 Arbitration

Any disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except where prohibited by law.

11.3 Platform Disputes

For disputes between creators and backers:

PledgeDLT is NOT a mediator or arbitrator
Users are encouraged to resolve disputes directly
Community voting mechanisms provide transparency but are not legally binding

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified via email or platform notice. Continued use after changes constitutes acceptance.

13. General Provisions

13.1 Severability

If any provision is found invalid, the remaining provisions remain in effect.

13.2 No Waiver

Failure to enforce any provision does not waive our right to enforce it later.

13.3 Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement between you and PledgeDLT.

13.4 Assignment

You may not assign these Terms without our consent. We may assign these Terms without restriction.

14. Contact Information

For questions about these Terms:

Email: [email protected]
Company: StackStats Apps LLC
Contact Form: https://pledgedlt.com/contact.html

                By using PledgeDLT, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
            