RaffleGives Terms of Service

For 50/50 Online Charitable Raffles

Last Updated: September 9th, 2026

RaffleGives is a trade name of Love Elephants LLC, a Nevada limited liability company ("Love Elephants," "RaffleGives," "Company," "we," "us," or "our"). RaffleGives provides software-as-a-service (SaaS) and payment facilitation only. Each raffle is owned and operated solely by the named nonprofit organization (the "Nonprofit"). This document combines RaffleGives' Terms of Service, Official Rules framework, Nonprofit obligations, multi-state compliance framework, AML/KYC controls, a privacy summary, and payment processing terms into one reference for online charitable 50/50 raffles.

Authorized Online States: Alaska, Arizona, Colorado, Connecticut, Florida, Idaho, Iowa, Kansas, Louisiana, Maine, Missouri, Montana, Nebraska, Nevada, New York, North Dakota, Pennsylvania, South Carolina, South Dakota, Virginia, West Virginia, and Wyoming, plus select counties in Illinois and Maryland. Washington and Rhode Island are not currently authorized — see Part VI.

Part I — Definitions & Legal Interpretation

1.1 Principal Definitions

“RaffleGives,” “Company,” “we,” “us,” or “our” means Love Elephants LLC, a Nevada limited liability company, doing business as RaffleGives. Every reference to “RaffleGives” in this Agreement means Love Elephants LLC, operating under the RaffleGives trade name.

“Platform” means RaffleGives' website, apps, and APIs at www.RaffleGives.com, www.Raffle.gives, and related subdomains, used to facilitate online charitable raffles.

“Nonprofit” means a 501(c)(3) tax-exempt organization in good standing that is legally authorized to conduct charitable raffles — including online ticket sales where required — under its state's law.

“Participant” or “Entrant” means any eligible individual who purchases, receives, or is otherwise allocated a ticket in a Nonprofit's raffle through the Platform.

“50/50 Raffle” means a raffle in which participants buy tickets for a chance to win a cash prize equal to approximately 50% of net proceeds, with the remaining 50% benefiting the Nonprofit.

“Online Raffle” means a raffle where tickets are sold electronically, as permitted under applicable state law.

“Authorized Online States” means the states listed above where online ticket sales are permitted and RaffleGives operates.

“Gross Proceeds” means all money collected from ticket sales for a raffle, before any deductions.

“Net Proceeds” means Gross Proceeds after the Platform service fee and payment processing fees have been deducted. The winner's 50% share is calculated on Net Proceeds, not on the raw amount purchasers paid.

“Payment Processor” means a PCI-DSS compliant third-party payment processor approved for charitable gaming transactions.

1.2 Interpretation

Headings are for convenience only. Singular includes plural. References to a statute include later amendments. Where a Nonprofit's Official Rules and these Terms both apply to a raffle, they are read together, with the Official Rules governing raffle-specific detail as long as they comply with these Terms and applicable law.

Time periods are calendar days unless stated otherwise; a deadline landing on a weekend or federal holiday moves to the next business day. All times are Pacific Time unless stated otherwise.

1.3 Regulatory Framework

This Agreement operates alongside federal, state, and local law and payment-processor requirements. Federal AML oversight comes from FinCEN under the Bank Secrecy Act. Payment card handling is governed by the PCI-DSS standards maintained by the PCI Security Standards Council. State gaming boards, revenue departments, and attorneys general offices regulate raffle operations directly — see Part VI for each state.

Part II — Role Separation & Legal Characterization

2.1 The Nonprofit Is the Exclusive Raffle Operator

Each Nonprofit is the sole organizer, owner, and operator of its own raffles. RaffleGives provides technology and payment facilitation — it does not conduct gaming activities.

Each Nonprofit is responsible for its own licenses, registrations, and regulatory filings, including any online-sales authorization its state requires, and for keeping its tax-exempt status and insurance in good order.

The Nonprofit controls all material aspects of its raffles: ticket prices and prize amounts (within state limits), duration and drawing dates, marketing, winner selection and verification, prize distribution, and recordkeeping.

2.2 RaffleGives' Role: Technology & Payment Facilitation Only

RaffleGives hosts the Platform, integrates payment processing, arranges third-party random-number generation on the Nonprofit's behalf, provides analytics and support, and maintains security — nothing more.

RaffleGives does not sell tickets, set odds, select or influence winners, hold or disburse any raffle proceeds or prize funds, or give legal or tax advice. Every dollar of ticket-sale proceeds — the Nonprofit's charitable share and the eventual winner's share alike — flows directly to the Nonprofit's own merchant account at the moment of purchase; RaffleGives is never in the chain of custody for raffle funds. RaffleGives' only compensation is its platform service fee, split off automatically at that same moment — see §2.3. Winner selection, prize documentation, and prize payment are the Nonprofit's exclusive responsibility — see §4.4 and §8.4.

2.3 Fund Flow & Compensation

At the time of purchase, the payment processor splits each transaction automatically, in a single step: RaffleGives' platform fee routes directly to RaffleGives, and everything else — 100% of the remaining proceeds, covering both the Nonprofit's charitable share and the eventual winner's share — routes directly to the Nonprofit's own merchant account. RaffleGives never receives, holds, or has access to the Nonprofit's share or the prize share, at any point.

The Nonprofit is solely responsible for identifying, verifying, and paying its raffle's winner directly from its own funds. Before releasing payment, the Nonprofit must collect the winner's government-issued photo ID, IRS Form W-9, and IRS Form W-2G where required (generally prizes of $2,000+ that are also at least 300× the wager). Each raffle's Official Rules must list this documentation so winners know what to expect before a drawing.

RaffleGives' Compensation. RaffleGives' only compensation is its platform service fee — 8% of Gross Proceeds — deducted automatically at the point of sale. RaffleGives retains no other amount: it never holds funds, so there is no balance to earn interest on. Payment processing fees (about 2.9% + $0.30 per transaction) are a separate, pass-through cost borne directly by purchasers, not retained by RaffleGives. In Nevada, state law caps third-party raffle vendor compensation at 8% of gross proceeds; RaffleGives' fee is set at that level (see Part VI, Nevada).

Part III — Public Terms of Service (All Users)

3.1 Acceptance

Using the Platform to participate in an online charitable raffle means you have read, understood, and agree to these Terms and to all applicable law governing online charitable raffles. If you don't agree, don't use the Platform. These Terms apply to every user, not just ticket purchasers.

3.2 Eligibility

To participate, you must, at all times during participation:

Be at least 18 (21 in Iowa), verified by government-issued ID
Be physically located in an Authorized Online State for the entire process — registration, purchase, and related activity
Provide accurate, current information and keep it current
Pass identity, address, and AML screening
Comply with all applicable law, including tax and AML obligations
Not appear on any OFAC or other applicable prohibited-persons list

3.3 Geographic Restrictions

Online ticket purchases are permitted only from within an Authorized Online State, verified through geolocation. Using a VPN, proxy, or other location-masking tool to misrepresent your location is prohibited and results in immediate account termination and forfeiture of winnings.

3.4 Account Registration & Verification

Every participant creates an account and completes identity, age, address, phone, email, and geolocation verification before participating. Full technical detail on each check is in Part VII. Iowa participants undergo enhanced age verification to confirm the 21-year minimum.

3.5 Prohibited Activities

Any of the following results in account suspension or termination, forfeiture of prizes, and potential legal action:

Account: multiple accounts, shared credentials, letting someone else use your account
Identity: false or stolen identity information, failing to update inaccurate information
Technical: bots or scripts, attempts to manipulate outcomes, circumventing security
Geographic: participating from an unauthorized location, VPN or location spoofing
Financial: money laundering, stolen or fraudulent payment methods, payment-system manipulation
Legal: any violation of applicable law, including tax obligations on winnings

Part IV — Official Rules for Charitable Raffles

4.1 Structure & Prize Distribution

Every raffle on the Platform is a 50/50 raffle: approximately 50% of Net Proceeds go to the winner(s), and 50% is retained by the Nonprofit, subject to applicable fees and state-specific rules. Net Proceeds means Gross Proceeds after the platform fee and payment processing fees — the winner's share is calculated on that net figure, not on the raw amount purchasers paid.

The exact split may vary slightly for rounding and state-specific rules. With multiple winners, the winner's share splits equally among them unless the Official Rules say otherwise. A Nonprofit may use alternative prize structures (tiers, progressive jackpots) if state law allows and the Official Rules disclose it clearly.

4.2 Ticket Sales & Pricing

Tickets are sold only electronically, at prices the Nonprofit sets within state limits, clearly disclosed before purchase. Payment processing fees are disclosed and added at checkout, passed directly to the processor. Sales are final and non-refundable except where law requires a refund or a raffle is cancelled for reasons outside the Nonprofit's control, per that raffle's Official Rules.

4.3 Drawing Procedures

Drawings use certified random-number generation from a qualified third-party vendor, at the time and date disclosed in the Official Rules, with advance notice to participants. Winners need not be present unless the Official Rules say so. Every drawing is logged — seed values, algorithm, timestamp, and personnel — and retained for regulatory examination. If a drawing can't happen as scheduled, the Nonprofit reschedules and notifies participants.

4.4 Winner Notification & Prize Distribution

Winners are notified by email, SMS, and account dashboard, and must respond within the Official Rules' deadline (typically 30 days) or forfeit the prize to the Nonprofit's charitable purposes.

Before payout, winners complete: secondary ID verification, address confirmation for delivery, tax documentation for prizes of $2,000+ (IRS W-2G), and a prohibited-persons check.

Prizes are distributed by the method the Nonprofit chooses — certified mail, electronic transfer, or another approved, compliant method — and paid directly from the Nonprofit's own funds; RaffleGives is never in the chain of custody for prize money (see Part II). Winners are responsible for taxes on winnings; the Nonprofit provides required tax documentation and files W-2G forms for prizes of $2,000 or more.

Part V — Nonprofit Client Terms & Obligations

5.1 Qualification Requirements

To conduct raffles on the Platform, a Nonprofit must be a 501(c)(3) tax-exempt organization in good standing, with a current IRS determination letter. The Nonprofit must hold whatever license, registration, or exemption its state requires to conduct charitable raffles, including any online-sales authorization (see Part VI for state-specific requirements), and must maintain insurance appropriate to its raffle activities.

5.2 Operational Standards

Raffle descriptions, marketing, and promotional materials must be truthful and accurate, with no misleading claims about odds, prizes, or how proceeds are used. The Nonprofit provides responsive, professional support to its raffle participants, and maintains complete records of ticket sales, drawing results, winner verification, and prize payments, retained for the period its state requires.

5.3 Fees

RaffleGives' fee structure is set out in Part VIII.

5.4 Indemnification

Indemnification obligations between RaffleGives and Nonprofits are set out in Part XI, §11.4.

Part VI — Multi-State Online Compliance Framework

RaffleGives operates in each Authorized Online State subject to that state's specific rules below. Each Nonprofit remains responsible for its own licensing and compliance; this framework is provided to help Nonprofits understand what applies to their state.

6.1 State-by-State Requirements

Tier 1: Minimal Regulation

Arizona — Ariz. Rev. Stat. § 13-3302

Nonprofit must have existed continuously in Arizona for at least 1 year immediately before the raffle. Operation must be members-only with no outside management, and no member, director, officer, employee, or agent may receive a pecuniary benefit beyond participating like any other entrant; all profits must go to charitable purposes.
No Arizona state agency licenses or registers charitable raffles; the exclusion under § 13-3302 is self-executing, with no application or registration step.
No statutory cap on individual prize value.

Florida — Fla. Stat. § 849.0935

Must be a qualified 501(c)(3) with a current IRS determination letter. No state permit required unless the prize structure amounts to gambling.
Must disclose rules, winner-selection method, and refund policy. Check local ordinances, which may add restrictions.

Missouri — Mo. Const. art. III, § 39(f)

Organization must be recognized as charitable or religious under federal law. No fixed statutory prize cap; regulated through local permits and charitable-gaming oversight.

Montana — Mont. Code Ann. § 23-5-158, § 23-5-413

Online raffle sales require Department of Justice registration via Form 46; no license is otherwise required for basic (non-online) raffles. The $5,000 cap under this pathway applies to prize value, not ticket value.
Montana nonprofits may sell raffle tickets to purchasers in other states, if the purchase is not prohibited under the purchaser's home state law (§ 23-5-413(3)(a)). Every internet raffle announcement or advertisement must disclose this restriction, the nonprofit's name, and the raffle terms.
A local permit is required if gross proceeds exceed $500.

West Virginia — W. Va. Code § 47-20-1 et seq.

Licensed raffles require 1 year of West Virginia existence. Exempt raffles are capped at $4,000/prize and $15,000/year gross proceeds.
Licensed raffles may exceed those limits with full compliance and reporting through the WV Tax Division.

Tier 2: Moderate Regulation

Alaska — Alaska Stat. 05.15

Requires 3 years of organizational existence, at least 25 active members, and a Department of Revenue Charitable Gaming Unit permit ($20 fee).
Annual aggregate prize cap of $2,000,000 (multi-beneficiary permits may exceed this). Strict recordkeeping and audit requirements apply.

Connecticut — Conn. Gen. Stat. (Charitable Gaming)

Requires 1 year of operating history before applying, a state permit ($15–$300 depending on scope), and municipal coordination to confirm local authorization.

Idaho — Idaho Code § 67-7708

Requires 1 year of continuous existence in the county of operation, current IRS tax-exempt status, and an Idaho State Police license ($100 first year, $100–$300 on renewal).
Cash prizes are capped at $1,000/raffle; merchandise prizes are unlimited if not redeemable for cash. Maximum 12 raffles/year (educational institutions may qualify for exceptions). Records must be kept 3 years.

Kansas — Kan. Stat. Ann. § 75-5171 et seq.; K.A.R. 92-23-72

Requires current 501(c) status. A license is required once annual gross receipts exceed $25,000 ($25–$100 fee depending on receipts).
Prizes of $1,199 or more trigger state tax reporting. No statutory cap on prize amounts.

Nebraska — Neb. Rev. Stat. § 9-601 et seq.

Small raffles (gross proceeds ≤ $5,000 and ≥ 80% merchandise prizes) need no license. Cash prizes under $1,000 and merchandise prizes up to $5,000 also need no license.
Raffles exceeding those thresholds require full Department of Revenue licensing and reporting.

South Dakota — S.D. Codified Laws § 22-25A

Requires registration with the Secretary of State, plus county and city registration at least 30 days before ticket sales begin.
Statewide sales require written notice to the Secretary of State. No fixed statutory prize cap, though licenses may impose conditions.

Tier 3: Structured Regulation

Colorado — Colo. Rev. Stat. § 12-9-101 et seq.

Requires 5 years of operational history before applying for a Department of Revenue bingo-raffle license ($100 fee).
Progressive jackpots are capped at $15,000; standard raffles may exceed that with full licensing. Comprehensive audit and ticketing compliance applies.

Maine — Me. Rev. Stat. 17 § 1837-A

Unregistered raffles are permitted up to $10,000 cash or $150,000 non-cash prizes. Larger raffles require Gambling Control Unit registration ($15–$700 fee).
Statutory limits adjust biennially for inflation.

Pennsylvania — Local Option Small Games of Chance Act, 10 Pa. Cons. Stat. § 301 et seq.

County treasurer license required for all operations.
Raffle prizes are capped at $15,000 per calendar month per licensed organization (§ 302(c)); total prizes across all games of chance are capped at $35,000 per 7-day period (§ 302(b)). A prize over $2,000 in a single raffle requires a Special Permit (only a regular-license holder may obtain one, and no more than 10 per year).
RaffleGives caps Pennsylvania raffle prizes at the platform level to stay under the $15,000-per-calendar-month limit. Because that limit is per licensed organization, not per raffle, the cap tracks a Nonprofit's combined Pennsylvania prizes across an entire calendar month.
Nonprofit must show 1 year of purpose-driven activity. Quarterly reporting and audits apply. Licensing is $25/month or $125/year.

South Carolina — S.C. Code § 33-57-140

Regulatory authority is the SC Secretary of State. Annual registration required for non-exempt raffles ($50/year). Individual prizes capped at $80,000; total prize value per raffle event capped at $300,000. Ticket prices capped at $300. Maximum 4 non-exempt raffles per calendar year.
50/50 raffles are specifically exempt from the general rule requiring 90% of net receipts to reach the charitable purpose (§ 33-57-140(A)).
Financial report due within 30 days of raffle completion. No raffle drawings on Christmas Day.

Virginia — Va. Code § 18.2-340.27

Requires 3 years of existence with documented regular meetings, and Department of Agriculture and Consumer Services approval for online sales ($200 application fee).
Individual prizes are capped at $100,000. A home-raffle exception permits up to 3 raffles/year with Department approval.

Tier 4: Highly Regulated

Iowa — Iowa Code § 99B.7

Requires a DIA license before any raffle-related activity, plus a separate online-sales approval and an Iowa Sales Tax Permit Number (even for nonprofits).
Tiered by size — Very Small (≤$1,000), Small (≤$10,000), Large (≤$100,000) — each with state registration and post-event reporting. Fees run $15–$150.

Louisiana — La. Rev. Stat. 4:701 et seq.; LAC 42:I.1722

Requires 2 years of continuous existence as a qualifying charitable organization and a minimum participant age of 21. Standard license fee is $75.
The reduced-fee “limited raffle license” (capped at $10,000 in aggregate prizes) is not available for raffle formats where the prize value can't be predetermined in advance, which expressly includes 50/50 and split-the-pot raffles (LAC 42:I.1722(D)). Louisiana Nonprofits need the standard charitable gaming license.

Nevada — Nev. Rev. Stat. 462.140–155; Gaming Comm'n Reg. 4A

Requires qualified-organization registration under NRS 462.150. Approval tier depends on prize level: notice-only (≤$2,500/quarter), registration ($2,500–$50,000), Gaming Control Board approval (>$50,000).
Annual aggregate prize cap of $500,000. Prizes over $100,000/year trigger daily Gaming Commission fees. Online ticket sales require Gaming Control Board Chair approval, and the buyer must be physically located in Nevada at the time of purchase.
A third-party raffle vendor may charge no more than 8% of gross proceeds. RaffleGives' platform fee is set at that level (see Part II, §2.3).

New York — N.Y. Gen. Mun. Law § 190-a

Requires a local clerk license plus New York Gaming Commission approval specifically for internet raffle operations.
Individual prizes capped at $300,000; per-raffle proceeds capped at $500,000; annual aggregate capped at $3,000,000. No license needed if net proceeds are under $5,000 or annual totals under $30,000. Annual reporting required.

North Dakota — N.D. Cent. Code § 53-06.1, § 20.1-02

Restricted event permits cover primary prizes up to $15,000 and annual totals up to $50,000. A full state gaming license is required above those limits. Local city/county permits are separate. License fee is $175.

Wyoming — Wyo. Stat. § 6-7-101 et seq.

Charitable raffles are exempt from Wyoming's general gambling prohibition and need no state-level license or fee. Counties may add their own requirements.

6.2 Not Currently Authorized

Washington and Rhode Island are not on the Authorized Online States list.

Washington — Wash. Rev. Code 9.46.0323; WAC 230-11. None of Washington's three raffle license types (ordinary, enhanced, electronic) currently support a general online public raffle: ordinary raffles cannot sell tickets over the internet, enhanced raffles are limited to in-person, mail, fax, or telephone sales, and electronic raffles are restricted to a closed network at a sports team's home games.

Rhode Island — R.I. Gen. Laws §§ 11-19-31–37. Online sales require the third-party platform to hold licensing from the Rhode Island Superintendent, which RaffleGives does not currently hold (see §6.4).

6.3 Local Control Jurisdictions

Illinois — Raffle authorization is entirely local. Apply through the relevant county or municipality; expect at least a $25 application fee, though actual fees and rules vary by jurisdiction.

Maryland — Raffle authorization is entirely local. Contact the relevant county before conducting any raffle; fees typically run $10–$56 and requirements vary by county.

6.4 Platform-Level Licensing

RaffleGives does not hold platform-level licensing from the Rhode Island Superintendent, the Nevada Gaming Control Board, or the New York Gaming Commission. RaffleGives operates purely as a technology and payment-facilitation provider collecting its own platform fee; it never receives, holds, or disburses any raffle proceeds or prize funds (see Part II, §2.3), and each Nonprofit holds its own state raffle license and its own funds directly.

6.5 Ongoing Monitoring

RaffleGives tracks regulatory changes, renews licenses and permits proactively, coordinates with state regulators, runs periodic compliance audits, and keeps documentation ready for regulatory examination.

Part VII — Verification, Fraud Prevention & Technical Security Controls

Every participant must clear each layer below before accessing raffle features.

7.1 Verification Layers

Geolocation: real-time GPS and IP verification confirms presence in an Authorized Online State throughout participation; VPN/proxy detection blocks location-masking; device fingerprinting flags unauthorized access attempts.
Identity: government ID is checked with document-authentication technology and biometric facial matching against the ID photo, and cross-referenced against verification databases.
Phone: SMS verification plus carrier validation and fraud-pattern screening.
Email: multi-step confirmation, domain validation, and spam/reputation screening.
Address: validated against USPS and commercial databases, cross-referenced against utility and financial records.
Winners: secondary ID confirmation, address verification for delivery, tax documentation for prizes of $2,000+, and an OFAC/prohibited-persons check.

7.2 State-Specific Checks

Iowa participants get enhanced age verification for the 21-year minimum. Nevada raffles get additional screening for Nevada Gaming Control Board compliance. Rhode Island and Washington are not active states — see Part VI.

7.3 Fraud Prevention

Machine-learning models watch behavior and transaction patterns in real time; device fingerprinting and behavioral analysis flag anomalies; sanctions screening runs against OFAC and FinCEN lists; suspicious activity triggers manual review and, where thresholds are met, a Suspicious Activity Report (SAR) to FinCEN.

7.4 Security Infrastructure

Payment processing maintains PCI-DSS Level 1 compliance. Data is encrypted in transit and at rest, stored across geographically distributed, access-controlled data centers with regular backups. Independent security firms run periodic assessments and penetration testing. A documented incident-response plan governs containment and required notifications.

Part VIII — Payment Processing & Fee Structure

8.1 Processing Architecture

All ticket payments run through PCI-DSS compliant processors specializing in charitable gaming. RaffleGives never handles or stores card data directly — it flows encrypted from the participant's device straight to the processor.

RaffleGives is never in the chain of custody for raffle funds. At the moment of each transaction, the processor splits payment automatically: RaffleGives' platform fee goes to RaffleGives, and everything else — the Nonprofit's charitable share and the prize share alike — goes directly to the Nonprofit's own merchant account. The Nonprofit is merchant of record for its raffles.

Processing fees are disclosed to participants at purchase and passed directly to purchasers, never absorbed by RaffleGives or the Nonprofit.

8.2 Fee Structure

Platform Service Fee: 8% of Gross Proceeds, covering platform development, security, compliance, and support — deducted automatically at the point of sale. This is RaffleGives' only compensation; see Part VI, Nevada, for the one state where this sits exactly at a statutory ceiling rather than comfortably under it.
Payment Processing Fees: passed directly to purchasers — typically about 2.9% of the transaction plus a $0.30 flat fee, varying by processor and payment method.
No Hidden Fees: every fee is disclosed to participants before purchase and to Nonprofits before raffle creation.

8.3 Fund Flow & Settlement

Both the Nonprofit's charitable share and the eventual winner's share flow directly to the Nonprofit's own merchant account at the moment of sale — RaffleGives never takes custody of either portion, and there is no separate account or fund on RaffleGives' side to reconcile.

Platform fees are deducted from Gross Proceeds automatically, per the fee structure in these Terms. Nonprofits receive monthly statements showing Gross Proceeds, the platform fee, processing fees, and Net Proceeds, with full transaction-level detail.

8.4 Chargebacks & Disputes

Because all raffle proceeds — including the prize share — route directly to the Nonprofit's own merchant account, the Nonprofit is merchant of record for its raffles and bears chargeback risk and cost directly with its own processor. RaffleGives is not a party to that dispute process, since it never held the disputed funds.

RaffleGives' own platform fee is collected separately, at the point of sale, and is not subject to raffle-related chargebacks initiated against the Nonprofit's account.

Part IX — Privacy, Data Protection & Security

RaffleGives maintains a separate, standalone Privacy Policy, which is the controlling document for all privacy matters. This Part is a summary only — where anything here conflicts with the standalone Privacy Policy, the Privacy Policy governs (see also Part XII, §12.1).

9.1 What's Collected

Directly from participants: legal name, date of birth, address, email, phone, and government ID for verification. Payment data is handled by PCI-DSS compliant processors — RaffleGives receives only transaction confirmation, not card details.

Automatically: IP address, device identifiers, browser/OS info, geographic location for compliance checks, and usage data for performance and security.

From third parties: identity-verification results, processor fraud signals, and public-record checks where needed for compliance.

9.2 How It's Used

To run the Platform (accounts, participation, winner selection support, prize coordination); to meet regulatory obligations (identity, age, geographic eligibility, AML screening, reporting); to detect and prevent fraud; to provide support; and, in aggregated/anonymized form, to improve the Platform.

9.3 Security Measures

Encryption in transit and at rest, role-based access controls with multi-factor authentication, regular third-party security audits and penetration testing, and a documented breach-response plan with required notifications.

9.4 Retention & Participant Rights

Gaming records are typically kept 5–7 years per state gaming rules; financial records may be kept longer under federal AML/tax rules. Data no longer needed is securely deleted or anonymized. Participants may request access, correction, deletion (where legally permitted), or restricted processing of their information, consistent with applicable privacy law.

Part X — Anti-Money Laundering & Know Your Customer Program

10.1 AML/KYC Framework

RaffleGives' AML/KYC program follows the Bank Secrecy Act, FinCEN regulations, and applicable state gaming rules.

Customer Identification: government ID verification, multi-source address confirmation, and cross-database identity checks for every participant.
Enhanced Due Diligence: additional verification, source-of-funds checks, and ongoing monitoring for participants who present elevated risk indicators.
Transaction Monitoring: real-time, machine-learning-assisted review of participation activity for patterns suggesting money laundering or terrorist financing.
Sanctions Screening: every participant is checked against OFAC, FinCEN, and other applicable prohibited-persons lists.

10.2 Suspicious Activity

Automated monitoring flags unusual activity for manual review by trained compliance staff; activity meeting reporting thresholds is filed with FinCEN as a Suspicious Activity Report (SAR). Full records of identification, monitoring, investigations, and filings are retained per applicable requirements.

10.3 Regulatory Reporting

Transactions over $10,000 are tracked for Currency Transaction Report purposes, even though raffle transactions rarely reach that threshold. Required reports go to state gaming regulators on their deadlines, and RaffleGives coordinates with law enforcement on investigations and inquiries as needed.

Part XI — Enforcement, Penalties & Dispute Resolution

11.1 Enforcement

Violations can bring account suspension or termination, feature restriction, or a requirement to re-verify before restoration. Serious violations can mean forfeiture of prizes (retained by the Nonprofit for charitable purposes), a bar on claiming future prizes, and legal action. Criminal conduct may be referred to law enforcement. Enforcement scales with the severity of the violation and the participant's history.

11.2 Dispute Resolution

Disputes go first through good-faith negotiation — contact support before escalating. If that fails, the parties attempt mediation through a mutually agreed neutral mediator, or one appointed by the American Arbitration Association.

Unresolved disputes go to binding arbitration in Clark County, Nevada, under AAA rules (or another mutually agreed provider). The arbitration award is final and enforceable in any competent court.

Class Action Waiver: disputes proceed individually only — no class, collective, or representative actions or consolidated arbitration.

Either party may still seek injunctive relief in Nevada state or federal court where immediate relief is needed to prevent irreparable harm.

11.3 Governing Law

Nevada law governs these Terms and any dispute, without regard to conflict-of-law rules. Nevada state and federal courts in Clark County have exclusive jurisdiction over anything not subject to arbitration. Federal law — AML, tax, consumer protection — still applies regardless of Nevada governance, and each raffle remains separately subject to its own state's specific rules under Part VI.

11.4 Indemnification

You indemnify RaffleGives and its officers, directors, employees, and agents against claims arising from your violation of these Terms, of applicable law, or from fraudulent or unauthorized use of the Platform.

Each Nonprofit indemnifies RaffleGives against claims arising from its own raffle conduct — compliance with state gaming law, prize decisions, marketing, and prize distribution, since the Nonprofit holds and pays out the prize directly (see Part II).

RaffleGives indemnifies Nonprofits against third-party claims arising from RaffleGives' own gross negligence or willful misconduct in providing the Platform.

Part XII — Miscellaneous Provisions

12.1 Entire Agreement

These Terms, the standalone Privacy Policy, and each raffle's Official Rules together form the complete agreement on Platform use and raffle participation, superseding all prior agreements or discussions on the same subject. RaffleGives does not use separate, individually negotiated agreements with Nonprofits — these Terms are the sole agreement governing every Nonprofit on the Platform. Changes must be in writing and signed by both parties' authorized representatives.

12.2 Amendments

Material changes affecting participant rights require advance notice by email and Platform announcement. Minor or administrative changes may be made with routine notice through Platform announcements and an updated Terms posting. Changes required by law or regulators can take effect immediately, with notice as soon as practicable after.

12.3 Severability

If a court finds any provision invalid or unenforceable, that provision is severed and the rest of these Terms remains in effect. The parties will negotiate in good faith to replace a severed provision with one that achieves the same purpose.

12.4 Force Majeure

Neither RaffleGives nor a Nonprofit is liable for delay or failure caused by circumstances beyond reasonable control — natural disasters, war or terrorism, government action, labor disputes, or infrastructure failure. Affected raffles may be postponed, cancelled, or modified as needed to protect participants and stay compliant, with notice to affected participants.

References

Alaska Dept. of Revenue – Charitable Gaming: tax.alaska.gov
Arizona Department of Gaming: gaming.az.gov
Colorado Dept. of Revenue: tax.colorado.gov
Connecticut Dept. of Consumer Protection: portal.ct.gov
Florida Dept. of Agriculture & Consumer Services: fdacs.gov
Idaho State Police: isp.idaho.gov
Iowa Dept. of Inspections, Appeals, and Licensing: dia.iowa.gov
Kansas Dept. of Revenue: ksrevenue.gov
Louisiana Office of Charitable Gaming: dps.louisiana.gov
Maine Gambling Control Unit: maine.gov
Missouri Gaming Commission: mgc.dps.mo.gov
Montana Dept. of Justice: dojmt.gov
Nebraska Dept. of Revenue: revenue.nebraska.gov
Nevada Gaming Control Board: gaming.nv.gov
New York Gaming Commission: gaming.ny.gov
North Dakota Gaming Division: nd.gov
Pennsylvania Local Option Small Games of Chance Act, 10 Pa.C.S. § 302: legis.state.pa.us
Rhode Island State Police Charitable Gaming Unit: risp.ri.gov
South Carolina Secretary of State — raffle registration & FAQ: sos.sc.gov
South Dakota Secretary of State: sdsos.gov
Virginia Dept. of Agriculture and Consumer Services: vdacs.virginia.gov
Washington State Gambling Commission: wsgc.wa.gov
West Virginia Tax Division: tax.wv.gov
Wyoming Dept. of Revenue: revenue.wyo.gov
FinCEN: fincen.gov
PCI Security Standards Council: pcisecuritystandards.org

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