Terms & Conditions

1. Acceptance of Terms

By accessing or using our website, making a donation, or enrolling in any SACYFEA program or event, you confirm that you are at least 18 years of age (or the parent/legal guardian of a minor participant), have read and understood these Terms, and agree to be bound by them. These Terms apply to all visitors, donors, program participants, parents/guardians, volunteers, sponsors, and partners.

2. About SACYFEA

Helping Hands Community Mission DBA Sacramento Youth Financial Empowerment Academy (SACYFEA) is a nonprofit organization dedicated to empowering Sacramento youth with financial knowledge, entrepreneurial skills, and leadership confidence. Our programs, workshops, and events are designed for youth ages 13–17 in the Sacramento area.

SACYFEA operates as a tax-exempt organization under Section 501(c)(3) of the Internal Revenue Code. Our EIN is available upon request. Donations to SACYFEA may be tax-deductible to the extent permitted by law.

3. Program Participation

Eligibility

SACYFEA programs are designed for youth ages 13–17 residing in or near Sacramento, California. Enrollment is subject to availability and program capacity. SACYFEA reserves the right to accept or decline any application at its sole discretion.

Parental/Guardian Consent

All participants under the age of 18 must have a parent or legal guardian complete the enrollment or registration process on their behalf. By submitting an enrollment or registration form, the parent/guardian consents to their child's participation in SACYFEA programs and acknowledges these Terms.

Code of Conduct

All participants are expected to treat fellow participants, instructors, volunteers, and staff with respect. Behavior that is disruptive, disrespectful, threatening, or harmful will not be tolerated. SACYFEA reserves the right to remove any participant from a program or event for conduct violations, without refund of any fees paid.

Photography and Media

By enrolling in a program or attending an event, you (and, for minors, your parent/guardian) grant SACYFEA permission to photograph, video record, and use images or footage of participants for educational, promotional, and fundraising purposes, including on our website and social media channels. If you do not wish to be photographed, please notify us in writing prior to the event.

4. Donations

General Donation Terms

All donations made to SACYFEA are voluntary and non-refundable unless otherwise required by law. Donations are processed securely through Stripe. By making a donation, you authorize SACYFEA to charge the specified amount to your payment method.

Recurring Donations

If you select a monthly recurring donation, you authorize SACYFEA to charge your payment method on a monthly basis until you cancel. You may cancel your recurring donation at any time by contacting us at [email protected] or (833) 868-2331. Cancellation requests will be processed within 5 business days.

Tax Deductibility

SACYFEA is a 501(c)(3) nonprofit organization. Donations may be tax-deductible to the extent permitted by applicable law. You will receive a donation receipt via email for your records. Please consult your tax advisor regarding the deductibility of your contribution.

Use of Donations

All donations are used to support SACYFEA's mission of empowering Sacramento youth with financial education and entrepreneurial skills. SACYFEA reserves the right to allocate donations to the areas of greatest organizational need unless a donor specifies a restricted purpose in writing and SACYFEA accepts such restriction.

5. Website Use

Permitted Use

You may use our website for lawful purposes only. You agree not to use our website in any way that violates applicable local, state, national, or international law or regulation; to transmit unsolicited or unauthorized advertising or promotional material; to impersonate any person or entity; or to engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website.

Intellectual Property

All content on this website — including text, graphics, logos, images, audio clips, and software — is the property of SACYFEA or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from this website without our prior written permission.

User Submissions

Any information, feedback, or content you submit through our website (including contact forms, enrollment forms, and blog comments) becomes the property of SACYFEA. You grant us a non-exclusive, royalty-free, perpetual license to use, reproduce, and display such submissions in connection with our programs and communications.

6. Disclaimer of Warranties

Our website and programs are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. SACYFEA does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. The financial education content provided through our programs is for educational purposes only and does not constitute professional financial, legal, or investment advice.

7. Limitation of Liability

To the fullest extent permitted by applicable law, SACYFEA, its officers, directors, employees, volunteers, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of our website, participation in our programs, or any donation made to SACYFEA. Our total liability for any claim arising from these Terms or your use of our services shall not exceed the amount you paid to us in the twelve (12) months preceding the claim.

8. Indemnification

You agree to indemnify, defend, and hold harmless SACYFEA and its officers, directors, employees, volunteers, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of our website or programs.

9. Volunteer and Partner Terms

Volunteers and organizational partners who work with SACYFEA agree to uphold our mission, values, and code of conduct. Volunteers working directly with youth participants may be required to complete a background check prior to participation. SACYFEA reserves the right to decline or terminate any volunteer or partnership relationship at its discretion.

Sponsors and partners who provide financial support or in-kind contributions acknowledge that SACYFEA retains full editorial and programmatic independence. Sponsorship does not imply endorsement of the sponsor's products or services by SACYFEA.

10. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by SACYFEA. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit. The inclusion of any link does not imply endorsement by SACYFEA.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or your use of our website or programs shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to binding arbitration in Sacramento County, California, in accordance with the rules of the American Arbitration Association.

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by updating the "Last Updated" date at the top of this page. Your continued use of our website or participation in our programs after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.