How the Donation Process Works

Secure Online Donation

• Payment Processing All online donations are processed exclusively through Stripe, a PCI DSS compliant payment gateway that ensures industry-standard security for all transactions.
• Accepted Methods We only accept PayNow via Stripe. To ensure traceability and comply with AML/CFT guidelines, we do not accept anonymous cash donations, cryptocurrency, or unverified third-party transfers.
• Transaction Confirmation Donors receive an immediate email confirmation from our platform with our official acknowledgment and receipt.

Fund Allocation & Transparency

All donations are allocated to one of two funds. Donors are required to specify their preference. Our website provides real time updates on the total funds collected.

• Beneficiary Fund Used exclusively to support our beneficiaries through direct aid, supplies, and services.
• Operating Fund Supports essential administrative expenses required to run our programmes. Like the Beneficiary Fund, all expenditures from the Operating Fund are detailed in our public ledger.

Aid Disbursement

• Beneficiary Verification Our due diligence process depends on social workers, who assess and confirm beneficiary needs so that support is directed appropriately.
• Internal Approval Every aid request requires documented approval from the society's President before any funds are disbursed, ensuring proper oversight.
• Traceable Delivery All aid is delivered directly to addresses provided by the respective social worker. We retain proof of delivery for every transaction, which is available in our public financial ledger.

Duties, Responsibilities & Governance

Our Responsibilities

• Fiduciary Duty We manage all donated funds with the highest standard of care, ensuring they are used for their intended charitable purposes.
• Data Security We are committed to protecting donor information. Our platform has security measures in place, and all transaction data is handled securely by Stripe. Audit logging is enabled and access to data requires multi-factor authentication.
• Record Keeping We maintain complete and proper records of all donations and expenditures for a minimum of five years. These records are reconciled monthly against our public bank statements.

Fees and Charges

We are committed to 100% transparency on all costs.

• Stripe Processing Fees Standard Stripe transaction fees are the only fees deducted from donations.
• No Administrative Fees Bread Breakers (SG) charges zero administrative or service fees. 100% of your donation after Stripe's fee goes to the designated fund.
• Published Expenses All fees from Stripe and any operational costs are published as line items in our public financial ledger for full transparency.

Compliance & Cooperation

Regulatory Cooperation

Bread Breakers (SG) is committed to full cooperation with Singapore's regulatory authorities. We are open to periodic audits and reviews of our systems and processes to ensure they align with the Code of Practice. We will liaise closely with the Commissioner of Charities (COC), the Registry of Societies (ROS), and other relevant bodies as required.

General Risk Disclosure

While we take extensive measures to secure our platform, all online activities carry inherent or residual risks. We encourage donors to be vigilant. Please read our General Risk Disclosure Policy for more information.

Donation Terms

Refund & Tax Policy

All donations made to Bread Breakers (SG) are non-refundable once processed, as funds are immediately allocated for our charitable work.

As we are not an Institution of a Public Character (IPC), donations are not tax-deductible under Singapore law.

Contact Us

If you have any questions about our policies or your donation, please do not hesitate to contact us.