These Terms of Service ("Terms") are an agreement between you and Spark Ventures ("Spark", "we", "us"), operator of the Spark app and website at get-sparkd.com. By creating an account or using Spark, you agree to these Terms.
1. What Spark is
Spark is a peer-to-peer recognition platform that allows people to send small monetary gifts along with messages of appreciation to recognize kindness, great service, and meaningful acts. Spark is not a fundraising or donation platform, not a payroll or tipping-compliance service, and not an escrow service.
Spark is not a bank. We do not take deposits, we do not hold funds as a depository institution, and balances shown in the app are not insured deposits. Money movement is performed by our third-party payment partner.
2. Eligibility and accounts
- You must be at least 18 years old and legally able to enter contracts.
- You must provide accurate information and keep your account secure.
- You are responsible for all activity that happens under your account.
- One person, one account. Accounts are not transferable.
3. Sending a Spark
- A Spark is a voluntary, gratuitous gift. It is not payment for goods or services.
- You choose the amount, an optional message, and an optional recognition badge.
- You review and confirm the Spark before it is sent. Sparks are final once claimed.
- You may send a Spark to an existing Spark user, or generate a one-time Spark code (QR or link) for someone who does not yet have an account.
4. Claiming a Spark
A one-time Spark code must be claimed by the recipient within the claim period, currently 72 hours from creation. Unclaimed Sparks expire and are returned to the sender. Full details are in our Refund & Unclaimed Spark Policy.
5. Balances and payouts
- Claimed Sparks appear in the recipient's Spark Balance.
- To receive money, a recipient connects a bank account through our payment partner and may need to complete identity verification required by law.
- Spark does not collect, view, or store your bank login credentials or full bank account numbers. That information is provided directly to our payment partner.
- Payout timing is estimated, not guaranteed, and depends on our payment partner and your bank.
6. Fees
Spark may charge fees for certain transactions or features. Any applicable fee will always be clearly disclosed before you confirm a transaction. Instant Deposit or other expedited payout options may be offered with a separately disclosed fee.
7. Transaction and account limits
Spark may establish or adjust transaction limits, account limits, or sending and receiving limits for security, fraud prevention, compliance, or operational reasons. Any limit that affects your ability to complete a transaction will be communicated in the app.
8. Simulated mode
Spark may operate in a simulated or test mode during pre-launch testing. In simulated mode no real money moves, balances are for demonstration only, and no payout will occur. We will make it clear in the app when live payments are enabled.
9. Prohibited use
You may not use Spark for fundraising, donations, charitable solicitation, invoicing, payment for goods or services, gambling, adult content, illegal activity, money laundering, evasion of sanctions, harassment, or any activity restricted by our payment partner. See our Community Guidelines.
10. Public sharing
Recipients — and only recipients — decide whether a Spark is shared publicly on the Spark home feed or kept private. If shared, the sender name, recipient name, amount, badge, and message may be shown publicly.
11. Taxes
You are responsible for determining and paying any taxes that apply to money you send or receive. Spark does not provide tax or legal advice. Our payment partner may issue tax forms where required by law.
12. Suspension and termination
We may suspend, limit, or close an account that violates these Terms, creates risk or legal exposure, or that our payment partner declines to support. You may stop using Spark at any time and request account deletion at support@get-sparkd.com.
13. Disclaimers and limits
Spark is provided "as is" without warranties of any kind. To the fullest extent permitted by law, Spark Ventures is not liable for indirect, incidental, or consequential damages, and our total liability is limited to the amount of the transaction giving rise to the claim.
14. Changes
We may update these Terms. Material changes will be posted here with a new "last updated" date, and continued use means you accept the updated Terms.
15. Contact
Spark Ventures
4302 Indigo Park Lane
Arlington, TX 76005
State of formation: Texas
Email: support@get-sparkd.com