Terms of Use

BackerMo is a product of Vanguard AI Analytics, Inc., a corporation organized under the laws of the Republic of the Philippines, which owns and operates the BackerMo website, applications, and related services (the "Platform"). In these Terms, "BackerMo", "we", "us", and "our" mean Vanguard AI Analytics, Inc. "You" means anyone who visits or uses the Platform.

By creating an account or using the Platform, you agree to these Terms of Use and to our Privacy Notice. If you do not agree, do not use the Platform.

1. What BackerMo is, and what it is not

1.1. BackerMo is an online venue where verified Philippine businesses ("Fundraisers") run all-or-nothing, rewards-based campaigns, and members of the public ("Backers") pledge money to support them.

1.2. BackerMo is not a store, seller, or party to your pledge. When you back a campaign, your agreement is with the Fundraiser. BackerMo does not create, make, sell, own, store, ship, or deliver any reward, and does not act as agent, broker, guarantor, insurer, trustee, or escrow agent for either side.

1.3. BackerMo is not an investment platform. A pledge does not buy shares, equity, debt, profit share, interest, revenue share, or any other security or financial return. No campaign may offer one.

1.4. BackerMo is not a bank or a payment provider. Card payments, stored card tokens, and payouts are handled by our licensed payment service providers and are subject to their terms. BackerMo never sees or stores your full card number.

2. Eligibility and accounts

2.1. You must be at least 18 years old and able to enter into binding contracts under Philippine law to create an account or pledge.

2.2. Only businesses registered in the Philippines (sole proprietorships registered with the DTI, and partnerships and corporations registered with the SEC) may fundraise, and only after passing our verification and accepting the Fundraiser Agreement.

2.3. You must give accurate, current, and complete information, keep it updated, and keep your password and any two-factor authentication codes confidential. You are responsible for everything done through your account. Tell us immediately at [email protected] if you suspect unauthorized use.

2.4. One person may hold only one account. You may not use another person's account, create an account on someone else's behalf without authority, or create an account after we have suspended you.

3. How pledging works

3.1. All-or-nothing. A campaign is funded only if its pledges reach the funding goal by the campaign deadline. If it does not, no one is charged and every pledge is voided.

3.2. Card verification. To pledge, you save a card through our payment service provider's secure page. The card must be active, must not be prepaid, and must remain valid at least seven (7) days past the campaign deadline. Saving a card does not charge it.

3.3. When you are charged. If the campaign reaches its goal, your saved card is charged the full pledge amount after the deadline passes. Charges are made in Philippine pesos. Your card issuer may apply its own fees, which are your responsibility.

3.4. Changing or cancelling. Before the deadline, you may switch reward tiers, change your amount, or cancel your pledge from your account. Once the deadline passes, your pledge is final and cannot be cancelled or changed.

3.5. Failed charges. If a charge fails, we may retry it automatically and will email you. You will have seven (7) days from the first failed attempt to update your card. If the pledge still cannot be collected, it is dropped and you will not receive the reward.

3.6. Every pledge is for a reward. You pledge for one reward tier. The tier's price is the minimum; you may choose to pay more. The full amount you choose is the price you agree to pay for that reward. It is not a donation or gift. A pledge may be at most ₱200,000. You may hold only one active pledge per campaign. You may not back your own campaign.

3.7. Your information goes to the Fundraiser. To fulfil your reward, the Fundraiser receives your name, email address, pledge details, and, where the reward needs shipping, the delivery name, address, and phone number you provide.

4. Risk disclosures

Please read this section carefully. Backing a campaign carries real risk.

4.1. Rewards are not guaranteed. Campaigns are often for products, events, or ventures that do not yet exist. A project may be delayed, changed, scaled down, or never completed, and the Fundraiser may be unable to deliver your reward or to refund you.

4.2. Delivery dates are estimates. Estimated delivery dates are the Fundraiser's best guess and are often missed. A late reward is not by itself grounds for BackerMo to refund you.

4.3. Rewards may differ from what is shown. Images, descriptions, prototypes, and specifications on a campaign page are supplied by the Fundraiser and may change during development.

4.4. Verification is not endorsement. We check that a Fundraiser is a registered business and keep its records, as the law requires. We do not audit, investigate, or vouch for the Fundraiser's finances, honesty, track record, or ability to deliver, or for the feasibility, safety, quality, legality, or accuracy of any campaign, reward, or claim. Approval of a campaign or Fundraiser means only that it passed our review at that time.

4.5. Fundraisers may fail. A Fundraiser may run out of money, go out of business, or stop communicating. Money paid out to a Fundraiser is no longer held by BackerMo, and we cannot recover it for you.

4.6. Refunds come from the Fundraiser. The Fundraiser, not BackerMo, is responsible for refunding Backers if it cannot fulfil a reward.

4.7. Successful funding does not mean success. Reaching a funding goal does not mean the Fundraiser has enough money to finish the project.

4.8. Your pledge is your decision. Back only what you can afford to lose, and only after reading the campaign, its rewards, its risks, and the Fundraiser details shown on the campaign page.

5. No guarantees

5.1. BackerMo does not guarantee that any campaign will be funded, that any project will be completed, that any reward will be delivered or will match its description, or that any Fundraiser will honour its commitments.

5.2. BackerMo does not guarantee that the Platform will be available, uninterrupted, timely, secure, or error-free, or that any content on it is accurate or complete. Campaign content is the sole responsibility of the Fundraiser who posted it.

5.3. To the fullest extent permitted by law, the Platform is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

6. Fundraisers

6.1. Fundraisers are bound by these Terms and by the Fundraiser Agreement. If they conflict on a Fundraiser's obligations, the Fundraiser Agreement prevails.

6.2. Each Fundraiser is the seller and the party primarily liable to its Backers. It must describe its project and rewards truthfully, deliver every reward as promised, communicate delays honestly, refund Backers when it cannot fulfil, and comply with all laws that apply to it, including the Consumer Act, the Internet Transactions Act, the Data Privacy Act, and tax laws.

6.3. Fundraisers are responsible for all taxes, permits, licences, and registrations relating to their campaigns and the funds they receive.

6.4. Backer information may be used only to fulfil rewards and communicate about the campaign, and must be protected in line with the Data Privacy Act.

7. Fees and payouts

7.1. BackerMo charges Fundraisers fees for the use of the Platform, which may include a platform fee on successful campaigns and payment processing fees. The applicable fees are disclosed to the Fundraiser before it launches a campaign and are deducted from the funds collected before payout. Nothing is charged when a campaign fails.

7.2. Backers do not pay BackerMo a fee on their pledges.

7.3. We may change our fees from time to time. A change does not apply to a campaign that is already live.

7.4. Funds collected are released to the Fundraiser's verified bank account once charges have settled. We may delay, hold, or withhold a payout while a bank account change is pending review, while a report, investigation, chargeback, or legal request is open, or where we reasonably suspect fraud or a breach of these Terms.

8. Prohibited campaigns and conduct

8.1. You may not use the Platform to offer or raise funds for:

• anything illegal, or anything that requires a licence or permit the Fundraiser does not have;
• weapons, ammunition, explosives, drugs, drug paraphernalia, tobacco or vaping products, or other regulated or hazardous goods;
• securities, investments, loans, financial returns, or any promise of profit;
• raffles, lotteries, contests of chance, gambling, or pyramid or multi-level schemes;
• content that is pornographic, hateful, violent, defamatory, or that exploits minors;
• anything that infringes another person's intellectual property, privacy, or other rights;
• charitable, relief, or public-welfare causes, personal causes such as medical or funeral expenses, or any appeal for donations. We do not accept these campaigns at this time;
• misleading or fraudulent projects, or rewards the Fundraiser does not intend or is not able to deliver.

8.2. You may not: give false information; impersonate anyone; manipulate a campaign's funding (including by pledging to your own campaign or using pledges you do not intend to pay); interfere with, probe, scrape, or overload the Platform; bypass any security or access control; use the Platform to send spam; or harass other users.

8.3. Filing a card chargeback for a valid pledge that you authorized, instead of seeking a refund from the Fundraiser, may lead to suspension of your account.

9. Reports, takedowns, and enforcement

9.1. Any signed-in user may report a campaign through the "Report this campaign" link. We review reports and may act on them.

9.2. We may, at our discretion and without prior notice, remove or suspend any campaign, reward, or content, or suspend or close any account, if we believe it breaches these Terms, the Fundraiser Agreement, or the law, or exposes Backers, BackerMo, or others to harm.

9.3. If a campaign is suspended while live, all of its pledges are voided and no one is charged. If it is suspended after it succeeds, further charging stops and payouts are withheld while we investigate, and we may arrange refunds of pledges already charged where appropriate.

9.4. We cooperate with the Department of Trade and Industry, the National Privacy Commission, law enforcement, and courts, and may disclose information to them as the law requires or allows. As required by the Internet Transactions Act, each campaign page shows the Fundraiser's registered name, business type, registration number, address, and contact email.

10. Content and intellectual property

10.1. You keep ownership of the content you post. You grant BackerMo a non-exclusive, worldwide, royalty-free, transferable, sublicensable licence to host, copy, display, adapt (for example, resize or crop), and distribute that content to operate, promote, and improve the Platform, including in share images, emails, and advertising for BackerMo. This licence continues for as long as the content remains on the Platform and for a reasonable time afterwards for archived and already-distributed copies.

10.2. You confirm that you have all rights needed to post your content and to grant this licence.

10.3. The BackerMo name, logo, design, and software belong to Vanguard AI Analytics, Inc. or its licensors. You may not use them without our written permission, except to link to or share a campaign.

11. Limitation of liability

11.1. To the fullest extent permitted by law, BackerMo and Vanguard AI Analytics, Inc., and their directors, officers, employees, and agents, are not liable for:

• any act, omission, statement, product, or reward of a Fundraiser or Backer, including failure to deliver, late delivery, defective rewards, or failure to refund;
• any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, data, goodwill, or opportunity;
• any loss caused by events beyond our reasonable control, including outages of payment providers, banks, hosting, or telecommunications services; or
• any unauthorized access to your account that results from your failure to keep your credentials secure.

11.2. To the fullest extent permitted by law, our total liability to you for all claims relating to the Platform is limited to the greater of (a) the platform fees BackerMo actually retained from the transactions giving rise to the claim, or (b) five thousand pesos (₱5,000).

11.3. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Philippine law, including liability for fraud, bad faith, or gross negligence, or the duties of online platforms under the Internet Transactions Act and the rights of consumers under the Consumer Act.

12. Indemnity

You agree to defend, indemnify, and hold harmless BackerMo and Vanguard AI Analytics, Inc., and their directors, officers, employees, and agents, from any claim, loss, liability, penalty, or expense (including reasonable attorney's fees) arising from your use of the Platform, your content, your campaign or rewards, your breach of these Terms, or your violation of any law or the rights of another person.

13. Termination

You may stop using the Platform and ask us to close your account at any time, but pledges that have become final, campaigns that have succeeded, and obligations already incurred survive closure. We may suspend or end your access as described in section 9. Sections 4, 5, 10.1 (for content already distributed), 11, 12, 15, and 16 survive termination.

14. Changes to these Terms

We may update these Terms. We will post the new version on this page with its effective date. If a change is material, we will ask you to accept the new version before you continue to use the affected features. Continued use after a non-material update means you accept it.

15. Governing law and disputes

15.1. These Terms are governed by the laws of the Republic of the Philippines.

15.2. Before starting any formal proceeding, please contact us at [email protected] so we can try to resolve the matter informally within thirty (30) days.

15.3. Any suit arising from these Terms or the Platform shall be filed exclusively in the proper courts of the city where Vanguard AI Analytics, Inc. has its principal office, to the exclusion of all other venues, without prejudice to any right you have to bring a complaint before the Department of Trade and Industry, the National Privacy Commission, or another government agency.

16. General

16.1. Electronic transactions. You agree that clicking to accept these Terms and other documents on the Platform is your electronic signature under the Electronic Commerce Act (Republic Act No. 8792), and that we may give you notices by email or on the Platform.

16.2. Entire agreement. These Terms, the Privacy Notice, and any other document you accept on the Platform (such as the Fundraiser Agreement or the Backer Acknowledgment) are the entire agreement between you and BackerMo about the Platform.

16.3. Severability and waiver. If any provision is held invalid, the rest remain in effect. Our failure to enforce a provision is not a waiver of it.

16.4. Assignment. You may not transfer your rights or obligations under these Terms without our consent. We may assign them in connection with a merger, acquisition, reorganization, or sale of assets.

16.5. Force majeure. We are not responsible for delays or failures caused by events beyond our reasonable control.

17. Contact

Vanguard AI Analytics, Inc., operator of BackerMo

Email: [email protected]