Your Donations Are Protected.
OpenFunds takes fraud seriously. Every campaign is verified before launch, every transaction is monitored by AI, and every report triggers an immediate investigation with a payout freeze.
Four Layers of Protection
We built a multi-layered safety system so you can give with confidence. Here's how every donation is protected.
Pre-Launch Verification
Every campaign is reviewed before going live. We verify enrollment documentation, credentials, and professional commitments before a single dollar is raised.
AI Fraud Detection
Powered by Stripe Radar, our platform scores every transaction in real-time. Suspicious patterns — velocity fraud, card testing, unusual geolocation — are flagged and blocked automatically.
Community Reporting
Every campaign has a Report button. When a campaign receives reports, payouts are automatically frozen pending a manual review by our Trust & Safety team.
Donor Refund Protection
If a campaign is found fraudulent after funds have been received, we initiate refunds to all confirmed donors through Stripe or PayPal — no questions asked.
Clear Refund Policy — No Fine Print
We believe in transparency. Here's exactly when you can get your money back, and when you can't.
Campaign found fraudulent before payout
Full automatic refund
Campaign found fraudulent after payout
Refund initiated (subject to fund recovery)
Donor requests refund within 7 days
Reviewed case-by-case
Chargeback through your bank
Supported — we don't fight legitimate chargebacks
Donor remorse (campaign is legitimate)
Not covered — donations are voluntary
Chargeback Rights
You always retain the right to dispute a charge with your bank or card issuer. OpenFunds will not fight legitimate chargebacks. If you've already filed a chargeback, you don't need to also submit a report — but doing both speeds up the investigation.
How to Report a Suspicious Campaign
Reporting takes 60 seconds and immediately protects every donor on that campaign.
Your report is logged and campaign payouts are immediately frozen.
Our automated system scans for matching patterns across all reports and flags high-severity cases for immediate human review.
A Trust & Safety team member reviews the campaign, fundraiser documentation, donation patterns, and your report details.
We take action: campaign removed + fundraiser banned + refunds issued, or campaign cleared and payouts resumed.
If you provided your email, we notify you of the outcome. Anonymous reporters receive no follow-up.
Zero Tolerance Policy
Confirmed fraudsters are permanently banned, reported to authorities where applicable, and all their current and past campaigns are audited. We share fraud data with Stripe to prevent them from raising funds on any platform.
Anonymous Reporting
Your identity is never shared with the person you report. Report with full confidence.
Anonymous Donations
Donate without revealing your identity. Fraudsters can't target anonymous donors.
Fraud Alerts
If a campaign you donated to is flagged as fraudulent, we email you immediately.
Frequently Asked Questions
Still Have a Concern?
Contact our Trust & Safety team directly. For urgent fraud cases, mark your email subject line with [URGENT FRAUD] — these are reviewed within 2 hours.