Important Notice

While Bread Breakers (SG) implements robust security measures and transparency protocols, donors should be aware of potential risks associated with online donations and charitable giving. Please read this disclosure carefully before making any contribution.

Online Platform Risks

Website Security

• Phishing and Fraudulent Sites Always verify you are on the correct domain before making donations. Fraudulent sites may impersonate legitimate charities.
• Data Breaches While we implement industry-standard security measures, no online platform can guarantee absolute protection against all cyber threats.
• Technical Failures System outages, server failures, or technical glitches may temporarily affect donation processing or website accessibility.

Payment Processing

• Payment Gateway Risks We use Stripe as our payment processor. Transaction failures, processing delays, or gateway outages may occur.
• Unauthorized Transactions Protect your payment information and monitor your accounts for unauthorized charges.

Organizational Risks

Operational Continuity

• Volunteer Dependency As a volunteer-led organization, service delivery may be affected by volunteer availability or capacity constraints.
• Regulatory Changes Changes in charity regulations or compliance requirements may affect our operations or service delivery.
• Cessation of Operations In the unlikely event that Bread Breakers (SG) ceases operations, remaining funds will be distributed in accordance with our constitution and applicable laws.

Fund Utilization

• Aid Delivery Challenges External factors such as beneficiary availability, address changes, or delivery restrictions may affect aid distribution.
• Verification Limitations While we work with qualified social workers to verify needs, there may be instances where information provided is incomplete or circumstances change after verification.

Legal and Regulatory Risks

• Tax Implications Donations to Bread Breakers (SG) are currently not tax-deductible as we are not an Institution of a Public Character (IPC).
• Compliance Requirements Changes in charity law or regulations may require operational adjustments that could affect service delivery.
• Jurisdictional Limitations Our services are primarily designed for Singapore residents and does not apply to international donors or beneficiaries.

Data Protection Risks

• Personal Data Handling We will endeavour to comply with Singapore's Personal Data Protection Act (PDPA). Nonetheless, data processing activities carry inherent or residual risks.
• Third-Party Integrations Our use of third-party services (payment processors, hosting providers) may expose data to additional risks beyond our direct control.

How We Mitigate These Risks

• Transparency All financial transactions are published in real-time on our public ledger with supporting documentation.
• Verification Processes We work exclusively with qualified social workers from registered agencies to verify beneficiary needs.
• Audit Trail Complete audit logging of all database operations and retention of all transaction records for regulatory compliance.
• Segregation of Duties Clear separation between request initiation, approval, procurement, and delivery processes.
• Regular Reviews Ongoing assessment of our policies, procedures, and security measures.

Donor Responsibilities

To minimize risks, donors should:

• Verify they are on the official Bread Breakers (SG) website before donating
• Use secure internet connections when making donations
• Keep records of their donation confirmations
• Monitor their payment accounts for unauthorized transactions
• Report any suspicious activity immediately
• Contact us directly if they have concerns about their donation

Contact and Reporting

If you encounter any issues, suspicious activity, or have concerns about your donation, please contact us immediately. We are committed to addressing all concerns promptly and transparently.

Remember Never provide personal or financial information through unsolicited emails or phone calls claiming to be from Bread Breakers (SG). We will never request sensitive information outside of our secure donation process.