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Terms of Service

1. Introduction

Thank you for your interest in Morgi. These Terms of Service ("Terms") form a legal agreement between you and PythiaPlus Limited ("Company", "us", "we", or "Morgi"). They govern your access and use of our Services (defined below). By accessing or using our Services, you agree that you have read, understand, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Services and exit this site. When using or accessing our Services, you will also be subject to our Privacy Policy and Cookies Policy. The former describes how we collect and use your data and the latter outlines our uses of cookies and other tracking technologies with relation to that Website. We encourage you to carefully review those policies before accessing our Services.

2. Your access and use of our Services

2.1. A description of the Services

Morgi operates a website www.morgi.org ("Website"), on which individuals and entities ("Friends") can receive gifts ("Gifts") from other individuals ("Leaders") for giving purposes (together, "Services"). These Terms apply to any person using our Services, including Friends and Leaders, as well as any person visiting our Website (collectively: "Users").

2.2. Eligibility and Registration

In order to use our Services, you must be at least 18 years old or above the minimum legal age of maturity in your country. By accessing, using or interacting with our Services, you certify to us that you are of the legal age required in your jurisdiction to accept these Terms. In addition, in order to use certain aspects of our Services, you may be required to set up an account and provide us with certain information, as described below.

For Leaders: Users do not have to register in order to review Friends' profiles, Campaigns and Goals (as defined below) over the Website. However, in order to make Gifts to and chat with Friends, they will be required to provide certain personal information, as well as information about their payment instrument (for example, credit card). The information on the payment instrument will be connected to their account(s) on the Website. You, as a Leader, warrant that the information that you provide with us is true and that you are authorized to use the payment instrument, with which you signed to make a Gift.

2.3. Payments

To facilitate the Services, Morgi relies on a native currency, called "Morgi Coin" (and "Micro Morgi Coin", which represents a nickel of a Morgi Coin), and the services of third-party payment processors, which are responsible for processing Gifts ("Payment Processor(s)"). Leaders wishing to make Gifts over the Website will open an account and deposit money, say US Dollar, with a Payment Processor. Once they deposited their money with the Payment Processor and transfer it to the relevant Friend, that specific Friend’s account will be credited, on the Website, with the equivalent amount of Morgi Coins or Micro Morgi Coins. Leaders will be able to purchase various packages of Morgis and to be credited via their Micri Morgi balance. This balance can be used to give Morgi, at any time, while having a chat with a specific Friends. Thereafter, Leaders will review Friends' profiles and Campaigns (defined below) on the Website and allocate their Morgi Coins to those Friends. Once Friends receive Morgi coins from Leaders, they can cash them out.

2.3.1. Payment Processors

Morgi is not a payment processor. Instead, it uses Payment Processors (currently, PayPal and CCBill) that will bill the Leaders' payment instruments and process Gifts made in connection to the Services. By using our Services, you acknowledge that we share certain information with Payment Processors for the purpose of facilitating the provision of our Services; and agree to the processing, use, and transfer of data by our Payment Processors, subject to these Terms, our Privacy Policy and any and all terms set forth by those Payment Processors, including PayPal's Terms of Use and CCBill's Terms of Use.

2.3.2. Morgi Coins

Upon the receipt of Leader’s fiat money by a Payment Processor, we will create Morgi Coins representing the received amount and place them on that Leader account. Morgi Coins can be bought solely in Euro, GBP or US Dollars. Morgi coins may only be used for the limited purpose of making Gifts to Friends through Recurring Online Agreement(s) (as defined below). Morgi Coins cannot be used outside the Website, nor can they be transferred to persons or entities with whom the Morgi does not have direct commercial agreements.

2.3.3. Morgi Coins

A Morgi Coin represents a nickel of a Morgi Coin and it can only be used to make one-time Gifts (as described in section 2.4.2 below).

2.4. Gifts

Friends can receive Gifts from Leaders in three ways: first, they can describe their gift goals in their profile (i.e. create a profile showcasing their personal info and life path) and receive Gifts on a recurring basis ("Recurring Gifts"); second, they can receive one-time Gifts from Leaders within the communication channel that opens once Leaders sign a Recurring Online Agreement ("Campaign"); and third, they can open a fundraising campaign ("Goal") with the purpose of receiving Gifts for a specific ongoing purpose (for example, purchasing a violin).

2.4.1. Recurring Gifts

To make Gifts on a recurring basis, Leaders will need to fill a "Recurring Online Agreement", to be billed via one of our Payment Processor, which specify (i) the name of the Friend(s) to whom they wish to make a Gift; (ii) the amount of the periodical payment (for example, 50 Morgi Coins); (iii) the frequency of the payments (for example, a monthly basis); and (iv) the number of periodical payments they wish to make (for example, 5 monthly payments). After filling the Recurring Online Agreement, the Leader’s account will be billed in line with the specifics of the Recurring Online Agreement. The account will be billed until the Leader terminates the periodic payments or when all periodical payments were made. Leaders can change or terminate the Recurring Online Agreement at any time. Changes to or the termination of the Recurring Online Agreement will apply only to periodical payments that take place after we receive notice of such changes or termination. Recurring Gifts can be paid solely with Morgi Coins, as opposed to Morgi Coins. When entering into a Recurring Agreement, you, as a Leader, (i) authorize Morgi and the Payment Processors to bill your account, in advance of any periodical payment, and until the termination of the Recurring Online Agreement; (ii) agree to update your account with any changes in connection to your payment instrument.

2.4.2. One-time Gifts/Campaigns

Once a Leader signs a Recurring Online Agreement, an open communication channel will be open between that Leader and the Friend who receives the periodical Gifts. Within that communication channel, Leaders can make one-time Gifts in the form of Micro Morgi Coins. Those one-time Gifts can be made solely with Micro Morgi Coins.

2.5. Conditions and Restrictions

A few restrictions and conditions may apply to your use of our Services, as described below.

2.5.1. For Leaders

When making Gifts via our Website, you, as a Leader, acknowledge and agree that (i) a minimum Gift threshold may apply; and (ii) you cannot cash-out Morgi Coins from your account; you may only transfer those to Friends. Additional restriction and representations appear on sections 9 and 11 below. The minimum Gift threshold may change from time to time, at the Company’s sole discretion and shall be presented on site.

2.6. Limitations of our Services

2.6.1. We do not process Gifts

Morgi is not a payment processor and does not, at any time, enter into control or possession over Friends’, Leaders’, or any other User’s funds. Instead, as described above, it uses the services of Payment Processors. Any transfer of Morgi Coins from Leaders to Friends is directed solely by Leaders.

2.6.2. We only provide administrative and technical services

Morgi merely provides the underlying platform enabling the facilitation of Morgi Coins from Leaders to Friends. Morgi is also not a broker, payment institution, financial institution, or creditor. No content on this Website is intended to provide financial, legal, tax or other professional advice. Before making any decisions in connection to the Services or any information on the Website, you should consult your financial, legal, tax or other professional advisor.

2.6.3. We do not engage in solicitation activities

The existence of the Services is not a solicitation of Gifts by Morgi, or consult on the solicitation of Gifts from the public.

3. Fees

When making Gifts on the Website, the following fees will apply: For every transaction involving Morgi and\or Micro Morgi Coins (that is, recurring Gifts and Gifts to Campaigns and Goals), (i) 10% will be deducted for billing costs; (ii) from the remaining amount, 25% will be deducted, meaning that Friends will receive 75% of the remaining amount. In addition, Payment Processors’ fees may apply when withdrawing the Morgi Coins.

4. Refunds

All Gifts are final. If you seek to request a refund for your Gifts, you should contact our Customer Service and explain us why you would like a refund. If the Friend agrees to issue a refund. In any case, Morgi is not liable to you or any third party for any claims, damages, costs, losses, or other consequences in this regard. Additional restriction and representations appear on section 11

5. Intellectual Property

5.1. Trademarks and copyrights

The brand names relating to the Website and any other trademarks, service marks, and trade names used by the Company or on its own behalf from time to time ("Trademarks") are the trademarks, service marks and trade names of the Company or one of its group companies or its licensors and these entities reserve all rights to such Trademarks. In addition, the Company, including its affiliates and subsidiaries, owns the rights in all the available via the Website, including but not limited to the information, images, pictures, graphics, photographs, animations, videos, music, audio, and text. This content is protected by copyright.

5.2. Ownership of your content

When using our Services, you may upload the Website information – for example, about your Campaigns – which may include texts, photos, videos, images, trademarks, logos, brands or other materials. We do not claim ownership of the content you post, upload, or share on the Website. However, when you do so, you grant us a worldwide, royalty-free, on-going, and transferable right and license to use, copy, reproduce, process, adapt, modify, translate, publish, transmit, display and distribute such content. You acknowledge herein that you have all applicable and required authorizations and permits to the content you upload to the Website.

5.3. Copyright claims

If you believe that any material on the Website infringes upon any copyright which you own or control, you may send a written notification of such infringement to DMCA@Morgi.org To be effective, and to meet the requirements of the Digital Millennium Copyright Act, the notification must be in writing and contain the following information:

an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
a description of the copyrighted work claimed to have been infringed;
a description of where the copyrighted work claimed to have been infringed is located on the Services
your contact details, including your address, telephone number, and email address.
a statement by you that you have a good faith belief that material in the manner complained of is not authorized by the copyright owner, its agent or the law; and
a statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf

If a content you uploaded to the Website was removed, pursuant to this Section ‎‎5.3., but you believe that this content is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to upload and use the content, you may send us a written counter-notice, to the aforementioned address, containing the following information:

your physical or electronic signature;
identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled
a statement that you have a good-faith belief that the content was removed or disabled as a result of a mistake or a misidentification of the content;
your name, address, and telephone number, and a statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which the address is located, or if your address is outside of the United States, for any judicial district in which our address is located, and that you will accept service of process from the person who provided notification of the alleged infringement.

5.4. Repeat infringers

In accordance with the DMCA and other applicable law, we may terminate, in appropriate circumstances and at our sole discretion, the provision of our Services to Users who are deemed to be repeat infringers. We may also, at our sole discretion, limit or terminate the access to our Website or Services for Users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

6. Third party websites and content

6.1. Third party websites

The Website may contain links to other websites ("Third Party Website(s)"). Such Third Party are not investigated, monitored, or checked for accuracy or appropriateness by us. We are not responsible for any Third Party Website accessed through the Website. If you decide to leave the Website and access Third Party Websites, you do so at your own risk. When you visit Third Party Websites, these Terms no longer govern and your use and access to those Third Party Websites is governed by their terms and policies.

6.2. Third party content

The Website contains information such as text, photos, videos, and other materials uploaded by third parties, such as Leaders and Friends ("Third Party Content"). Such Third Party Content is not investigated, monitored, or checked for accuracy, appropriateness, completeness or reliability by us. We have no control over Third Party Content posted or uploaded to our Website and hereby disclaim any and all liability in this regard.

7. Content removal and suspension or termination of the provision of the Services

You acknowledge and agree that Morgi can remove any content or information you share on the Website, as well as suspend or terminate your account or access to our Services, at any time, without notification, if we believe, in our sole discretion, that (i) you have breached these Terms or any other policy, including our Community Guidelines; (ii) we are permitted or required to do so by any applicable law; (iii) it is necessary to protect ourselves, users of our Services, or any third party. We expressly disclaim any liability or responsibility for you or any other third party that may arise due to the removal of your content or any restriction, suspension, or termination of your account or access to our Services. By way of illustration, examples of cases where we might suspend or terminate your access to our Services include cases where we believe, in our sole discretion (i) that information provided by you is incorrect or misleading; (ii) your fundraising cause is prohibited by these Terms; or (iii) you, as a Friend, collude with Leaders to engage in fraudulent activity.

8. Suspension of our Services

We reserve the right to modify or suspend, temporarily or permanently, any and all part or of our Services, at any time, for any reason (for example, for maintenance work). You confirm that the Company shall not be liable to you or any third party for any claims, damages, costs, or losses resulting from the modification to, suspension of or discontinuance of the Website or Services.

9. Prohibited fundraising causes

To ensure the safety, security, and integrity of our Services, we limit the types of content and fundraising causes that can be used through our Services. You hereby agree not to use our Services to contribute gifts to any cause that may, explicitly or implicitly, involve:

a violation of any law, regulation, industry or third party guidelines;
a violation of any agreement, by which you are bound, including, without limitations, these Terms and all the applicable terms and policies of our partners, including Payment Processors;
Political campaigns, including election campaigns;
drugs, narcotics, steroids, and any other similar product that is illegal or prohibited;
legal substances that provide the same effect as an illegal drug;
unapproved medical or other pharmaceutical or similar products, practices, or equipment that have not been approved by applicable regulators;
the promotion or support of rebel groups, militias, or gangs;
the promotion or support of hate of violence, harassment, bullying, discrimination, or terrorism;
a threat to an individual or public safety;
pornography or any sexual content;
A stated purpose that cannot be fulfilled;
any other element that we deem, in our sole discretion, to be inappropriate or unacceptable.

This list is non-exhaustive. We will decide, in our own discretion, whether a specific cause falls within the scope of that list. We may, in our sole discretion, update this list, at any time, for any reason, and without prior notification. If you have identified Campaigns and Goals or other content on the Website that is not consistent with this list, please let us know, by sending an email to: compliance@morgi.org

10. User disputes

You are solely responsible for your interactions with other Users. Morgi reserves the right, but have no obligation, to monitor disputes between you and other Users.

11. Representations

11.1. General

When using or accessing our Services:

you may not (i) upload or share any content that is offensive, insensitive, upsetting, illegal, or that it is not consistent with our Community Guidelines; (ii) do anything unlawful, misleading, or fraudulent or for an illegal or unauthorized purpose; (iii) impersonate someone else or provide inaccurate information; (iv) infringe the rights of others; (v) harvest, collect or publish personal information of others; (vi) contribute gifts for a minor, without the express permission of the minor’s guardian and unless the funds are transferred into a trust account for the sole benefit of the minor; (vii) and use our Services on behalf of a third party, without obtaining the express permission to act on behalf of that third party.
you agree that you will comply with all relevant and applicable laws.
You acknowledge that you have full responsibility for any content that you are upload, post, publish, display or transmit to our Website.
If you choose to register with us, you hereby agree to provide true, accurate, current, and complete information and to keep that information current and up to date.
you agree to the terms of the third party Payment Processors, with whom we entered into a contractual relationship. If we, or one of our Payments Processors, discover that the information you provided about yourself, or your fundraising cause, is incorrect or violates any of these Terms or their terms of service, the Services may be suspended or terminated and fines may be applied by the relevant authorities which will in all such cases be payable by you.

11.2. Gifts

You hereby agree not to (i) make or accept any Gifts that you know or suspect to be erroneous, suspicious or fraudulent; (ii) make Gifts for the benefit of a country, organization, entity, or person that appears on sanctions lists identified by the United States Office of Foreign Asset Control (OFAC) or any other regulatory body.
You, as a Leader, hereby acknowledge and agree that all Gifts are at your own risk. We are not monitoring and verifying Friends' profiles and Campaigns’ content and are not responsible for their accuracy, completeness, and appropriateness. We do not guarantee that your Gifts will be used in accordance with the fundraising cause described in the Campaigns. You, as a Leader, must make the final determination as to the value and appropriateness of contributing to any Friend. It is your sole responsibility to review Friends' profiles and Campaigns and decide whether to make Gifts.
That being said, we will make reasonable efforts to monitor fraudulent activity, including the misuse of funds. If you believe that a Friend is seeking to contribute gifts for an unethical, illegal, or inappropriate cause, or to use the gifts for a cause other than the one stated in the Campaigns and Goals, please contact us via the available chat option and will investigate that issue.
You, as a Leader, acknowledge that you are not permitted to impose restrictions on the use of Gifts by Friends. If you wish to direct Friends as to how to use the Gifts, those directions will be deemed to be non-binding recommendations.
We make no representation as to whether your Gifts are eligible for tax credits. It is your responsibility to determine what, if any, taxes apply to the Gifts you receive or make through our Website. You should consult your tax advisor in relation to this matter. You acknowledge and agree that Morgi will have no liability for any claim by any authority – whether federal, state, provincial, or local – with respect to your Gifts.
All Gifts are final.
By making a Gifts through our Services, you, as a Leader, acknowledge that we share certain information with Payment Processors for the purpose of facilitating the provision of our Services; and agree to the processing, use, transfer, and disclosure of data by our Payment Processors, subject to these Terms and any and all terms set forth by those Payment Processors, including PayPal's Terms of Use, and CCBill's Terms of Use.
We reserve the right to refuse, condition, or suspend any Gifts or other transactions that we believe in our sole discretion may violate these Terms.

12. Indemnity

You agree to defend, indemnify, and hold the Company, including its subsidiaries and affiliates, and each of their directors, officers, agents, contractors, partners and employees, harmless from and against any loss, liability, claim, demand, damages, costs and expenses, arising out of or in connection with your access, use, or interaction with our Services. Under no circumstances whatsoever will Morgi be liable in any way for any content that Users share, publish, display, or transmit with the Website, including, without limitation, for any infringement of third party’s right, loss or damage of any kind incurred as a result of the use or display or performance of any third party content transmitted, displayed or otherwise made available through the Services.

13. No warranty

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”. THE COMPANY MAKES NO WARRANTY OR REPRESENTATION, WHETHER EXPRESS OR IMPLIED (WHETHER BY LAW, STATUTE OR OTHERWISE), INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, COMPLETENESS OR ACCURACY OF THE WEBSITE OR SERVICES, OR NON-INFRINGEMENT OF APPLICABLE LAWS AND REGULATIONS. THE ENTIRE RISK AS TO THE USE, QUALITY AND PERFORMANCE OF THE SERVICES AND SERVICES LIES WITH YOU.
THE COMPANY MAKES NO WARRANTY THAT THE WEBSITE OR SERVICES WILL MEET YOUR REQUIREMENTS; BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; THE SERVICES IS FREE OF VIRUSES OR OTHER MALICIOUS COMPUTER CODE, FILES, OR PROGRAM; OR RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE.
IN THE EVENT OF SYSTEMS OR COMMUNICATIONS ERRORS RELATING TO THE WEBSITE OR RESULTING IN LOSS OF DATA BY YOU OR ANY OTHER DAMAGE TO YOUR DEVICE, THE COMPANY SHALL IN NO WAY BE LIABLE TO YOU AND THE COMPANY RESERVES THE RIGHT TO TAKE ANY OTHER ACTION TO CORRECT SUCH ERRORS (IF ANY) SAVE THAT THE COMPANY IS NOT REQUIRED TO PROVIDE ANY BACKUP NETWORK AND/OR SYSTEMS OR SIMILAR SERVICES.
THE COMPANY SHALL NOT BE LIABLE FOR ANY ACTS OR OMISSIONS MADE BY YOUR INTERNET SERVICE PROVIDER OR OTHER THIRD PARTY WITH WHOM YOU HAVE CONTRACTED TO GAIN ACCESS TO THE SERVER THAT HOSTS THE APPLICATION.

14. Limitation of liability

You agree that you are free to choose whether to use the Website and the Services and do so at your sole option, discretion, and risk.

TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE FOR PERSONAL INJURY OR ANY INCIDENTAL, SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE OUR WEBSITE OUR SERVICES, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, OR OTHERWISE) AND EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR PERSONAL INJURY, OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU. IN NO EVENT SHALL COMPANY’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES (OTHER THAN AS MAY BE REQUIRED BY APPLICABLE LAW IN CASES INVOLVING PERSONAL INJURY) EXCEED THE AMOUNT OF FIFTY DOLLARS ($50.00). THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

15. Governing jurisdiction

By visiting or using our Website or Service, you agree that the laws of Cyprus , without regard to any principles of conflict of laws that would require or permit the application of the laws of any other jurisdiction, will govern these Terms.

16. Changes to these Terms

We reserve the right to change these Terms at any time. Any material change would be effective fifteen (15) days as of being notified, either via the website or through email. The most current version will always be posted on our Website (as reflected in the “Last Revised" heading). You are advised to check for updates regularly. By continuing to access or use the Website after any revisions become effective, you agree to be bound by the updated Terms.

17. Termination

We may terminate your access to, or use of, the Service or Website in accordance with section 7 above. The provisions entitled Indemnity, No warranty, Limitation of liability, Governing jurisdiction, General, and Arbitration shall survive any expiration or termination of these Terms.

18. General

If any part of these Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of these Terms and shall not affect the validity and enforceability of any of the remaining provisions of these Terms. In such cases, the part deemed invalid or unenforceable shall be construed in a manner consistent with applicable law to reflect, as closely as possible, the original intent of the parties.
No waiver by us of any provision of these Terms shall be construed as a waiver of any preceding or succeeding breach of any terms of this Agreement.
Unless otherwise expressly stated, nothing in these Terms shall create or confer any rights or any other benefits to third parties.
Nothing in these Terms shall be construed as creating any agency, partnership, trust arrangement, fiduciary relationship or any other form of joint enterprise between you and the Company.
These Terms contain the entire agreement between the Company and you relating to your use of the Website and Services and supersedes any and all prior agreement between the Company and you in relation to the same.
The Company reserves the right to transfer, assign, sublicense or pledge these Terms, in whole or in part, in the event of a reorganization of the corporate group in which the Company exists or in the event of a merger, sale of assets or other similar corporate transaction in which the Company may be involved in.
You may not transfer, assign, sublicense or pledge in any manner whatsoever any of your rights or obligations under these Terms

19. Contact us

If you have any question, concern, or complaint with relation to these Terms or our Services, our Website, or our Services, please feel free to address us via the available chat option.