These Terms are drafted in Italian. The English version is provided for convenience. In the event of a discrepancy, the Italian version prevails, except where the discrepancy would operate to the detriment of a user who entered into the contract on the basis of the English version, in which case the version they read applies.

Terms of use

Version 2026-10-10.1 — in effect since 10 October 2026. Also read our privacy notice.

These terms govern the use of Campagna Crowdfunding (hereafter «the platform»). In these terms, the project creator is whoever proposes a project and the backer is whoever supports a project. By using the platform you accept them in full. They are written to be understood: if any part isn't clear, write to us before going ahead.

1. Who runs the platform

KIJO DIGITAL SRLS, Viale Beatrice d'Este 43, 20122 Milan, Italy — VAT 10031630964 — info@kijodigital.com.

2. What we do and what we don't do

The platform helps you build and promote a reward-based fundraising campaign (backers receive a reward, not shares, equity, interest or returns). The model is Keep-It-All — literally, you keep it all: the money you raise stays yours even if you don't reach the goal you set yourself.

We are not a financial intermediary, a bank, a payment institution, or a supervised equity-crowdfunding portal. We do not fund projects, we do not guarantee the outcome of a campaign, we do not verify the technical or industrial feasibility of what you propose, and we are not a party to the relationship between you and your backers: the rewards are your responsibility, not ours.

Legal notice (art. 100-ter, paragraph 9, of the Italian Consolidated Law on Finance): This crowdfunding service is not authorised or supervised by the Bank of Italy or by Consob. The rules and protections set out in European Regulation 1503/2020 on crowdfunding service providers do not apply to this service.

3. Who can use it

You must be at least 18 years old and have the capacity to enter into a binding agreement. The information you enter — about yourself or your business and the project — must be true, complete and up to date. If you act on behalf of a company or an entity, you declare that you have the authority to do so.

4. Your obligations as a project creator

• The project is genuine, real and presented in good faith: it exists, it's yours, and you describe it without misleading anyone.
• You don't promise what you can't deliver, and you deliver the rewards you offer, within the timeframe you state.
• You comply with the laws that apply to you: consumer protection, tax and social-security obligations, product safety, shipping, and any necessary authorisations.
• You hold the rights to everything you upload (text, images, video, trademarks) and don't infringe anyone else's rights.
• You don't use the platform to raise funds fraudulently, for money laundering, to bypass prohibitions, or for projects forbidden by law.
• You may not promise anything in return for support without a reward, on the platform or elsewhere: if you offer something in return, it is a reward and must be offered as one, under its rules.

5. Private person, organisation or business: who you are to your backers

When you launch a campaign you declare whether you are running it as a private person, as an organisation or association, or as a business or professional. Your choice is recorded at launch, cannot be changed while the campaign is open, and is shown to your backers: Italian consumer law (art. 49-bis of the Consumer Code) requires them to know whether they are dealing with a professional, because their rights depend on it.

• If you declare yourself a private person, you confirm that you are acting in a personal capacity, outside any business or professional activity.
• If you declare yourself an organisation or association, you must follow the tax rules that apply to your type of legal entity (ask your accountant); if instead you are a business or a professional, you must give your backers all the information required by law, such as, before they pay, your identity, your address, a telephone number and an email address (art. 49 of the Consumer Code) — for instance in the campaign text or in its FAQ. We do not collect these details and do not publish them on your behalf: the obligation is yours.

If you make a false declaration, you are liable for it. Whoever reviews the campaign before publication may challenge your choice and ask you to correct it.

How obligations are shared. The contract for the reward is between you and your backer (see section 6): delivery and conformity are your obligations. The platform is responsible for its own service: hosting the campaign, routing the money through Stripe, and telling backers who they are dealing with.

6. Rewards

The reward is a promise between you and your backer. Delivery and conformity with what you promised are your responsibility, not the platform's.

If a reward has to be shipped, you receive the name and address of the backer who chose it. For digital rewards no address is requested, and backers' email addresses are not passed on to you. For the data you receive:

• you are an independent controller and answer for how you use it;
• you use it only to deliver the reward you promised;
• you do not reuse it for your own purposes, marketing included;
• you delete it once the reward has been delivered;
• you give backers your own privacy notice under art. 14 of the General Data Protection Regulation: you receive the data from us, not from them, so the duty to inform them is yours, and we cannot fulfil it for you;
• if you come to hold a backer's email address in order to deliver the reward, the same rule applies: you may not use it for your own communications — newsletters, other campaigns, promotions.

For shipments from abroad, customs duties and import charges are payable by the recipient.

We may suspend or remove the campaign of a creator who systematically fails to deliver rewards.

7. If you back a campaign

• the reward is based on a promise you receive from whoever launched the campaign, the creator. The platform is not a party to it: it hosts the campaign and routes the money through Stripe;
• if the reward does not arrive, or is not what was promised, the creator is responsible, and you claim it from them. We may suspend or remove the campaigns of creators who systematically fail to deliver (section 6);
• before you pay you can see whether the creator declares themselves a private person or an organisation, business or professional (section 5), and what that changes for you: for some types of organisation or association, or if they are a business or a professional, the obligations towards you on the reward are theirs; if they are a private person, the rights the law grants consumers against a professional do not apply to that purchase;
• your address goes to the creator only if you choose a reward that has to be shipped, and only to ship it; your email address never reaches them;
• if you want to dispute a payment — for example a charge you don't recognise — you do so with your bank or the issuer of your card: the funds do not pass through us.

Supporting without a reward. You can back a campaign without choosing a reward, with the amount you decide. In that case you receive nothing in return: there is nothing to deliver. The support goes to the project creator, net of the platform's fee (section 14), and the same payment rules apply as for other backings, including disputes with your own bank. We do not issue receipts valid for tax purposes and do not promise any tax relief: if any exists, it depends on the project creator and on the law of your country.

8. Project creators outside the European Economic Area

You declare the country where you are based. Once you have connected your payout account you can no longer change it: this is a Stripe constraint, and changing country means going through the whole account set-up again from scratch.

If you are based outside the European Economic Area (EEA) and offer rewards that have to be shipped, your backers' addresses leave the EEA to reach you. For this reason:

• if your country is covered by an adequacy decision of the European Commission — as the United Kingdom and Switzerland are — no further safeguards are needed;
• otherwise, you accept the European Commission's standard contractual clauses, Module One (controller to controller), which are incorporated by reference into and annexed to these Terms, with us as data exporter and you as data importer;
• as a merely ancillary basis, the transfer is necessary to perform the contract the backer entered into for the reward they chose (Art. 49(1)(b) and (c) GDPR);
• the obligations in section 6 on the use, reuse and deletion of the data apply to you in full.

On the campaign page we tell your backers that you are based outside the EEA: their consumer protections may still apply, but enforcing them may be harder and more costly.

9. The content the platform generates for you

The platform produces text, images, rewards, analysis and promotional material based on what you tell it. These are drafts and suggestions: examples to evaluate, not verified facts. They may contain errors, inaccuracies, claims that don't apply to your case, or claims that don't comply with the rules of your sector.

You are the author of what you publish. Before launching you must re-read, correct and verify every piece of text, every figure, every promise and every image. Full responsibility for what appears on your page — towards backers, towards third parties and towards the authorities — remains yours. In particular you must not publish data, reviews, sales figures or testimonials that aren't real and demonstrable.

10. Emails and contacts you upload to our systems

If you import or enter email addresses or other contacts, you declare that you have collected them lawfully, that you have a valid legal basis to write to them, and that you are entitled to process them for the purposes of your campaign. Bought lists, lists gathered with automated scrapers, or lists obtained from third parties without a valid basis are forbidden. Towards those contacts you are the data controller: we only process that data as a processor, on your instructions, to send your messages. You must promptly honour deletion and unsubscribe requests.

11. Mentioned social accounts

If you give us an Instagram profile or a Facebook Page to mention in posts, you declare that you own it or are authorised to use it, and you agree to comply with the rules of those platforms. We check them before using them; you can remove them whenever you want, and from then on posts no longer mention you. We do not connect or manage your profiles: posts go out on Campagna Crowdfunding's pages, and you share them on yours if you wish. We are not responsible for suspensions, restrictions or cancellations decided by social platforms.

12. What cannot be funded

On this platform you cannot raise money for:

• products claiming to cure, heal, diagnose or prevent an illness — creams and cosmetics included: a cosmetic may moisturise, it may not cure a condition;
• medicines, regulated substances, supplements with health claims, medical devices;
• weapons, ammunition, explosives, military equipment;
• drugs and paraphernalia;
• tobacco, e-cigarettes, nicotine products;
• content inciting or justifying hatred, violence, racism or discrimination based on origin, religion, gender, orientation or disability (documenting or fighting these things is a different matter: that is allowed);
• explicit sexual content;
• financial offers, company shares, promises of returns, cryptocurrencies and tokens;
• gambling, lotteries, raffles and prize draws among backers;
• multi-level marketing and pyramid schemes;
• counterfeit goods, or goods infringing someone else's trademarks or copyright;
• the sale of personal data or contact lists;
• live animals, parts of protected animals, human remains;
• products recalled for safety reasons or banned from sale;
• fundraising for illegal activities, and campaigns exploiting tragedies or vulnerable people.

Campaigns that would reveal special category data. We don't accept campaigns whose very subject would reveal, about the creator or about those who back them, the data the European data protection regulation calls special categories (art. 9): racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health, and data concerning a person's sex life or sexual orientation.

The reason is concrete. If a campaign exists to treat an illness, to support a political party or to fund a religious community, then the mere fact that you backed it says something about you that falls into those categories — and we would end up holding that fact. We would rather not keep it, and not ask you for it.

This is not a ban on subjects. It covers only the categories listed above, in those words and no others. Campaigns about research, culture, technology, the environment, science writing, the investigation of natural or unexplained phenomena, sport, publishing, art, craft and business all remain welcome: backing them reveals none of what art. 9 protects.

An automated check flags the sentences worth a look; the final assessment is made by a person and is ours. The list may be updated: some of these activities are also prohibited by the payment providers we use, and hosting them would put every campaign at risk, not just yours.

13. Approval before publication

No campaign becomes public on its own. When you send it, a person checks it: if it is in order we publish it there and then; if it is not, we write you the reason and it goes back to draft, so you can fix it and send it again — no penalty, no new payment. While it is in the queue the texts stay as you sent them: whoever approves must see exactly what would go online. Approval concerns compliance with these rules: it is not a guarantee that your project will succeed, nor a judgement on its quality.

14. Prices, payments, refunds and withdrawal

Activating a campaign means unlocking it by paying €59, once: from that moment we produce the content and the tools. Writing your campaign and keeping it as a draft costs nothing: the €59 are due only when you want to publish it or want to use all the tools without limits (some generations, such as the audience analysis, the writing or the improvement of your first texts, are our gift to every user). On all amounts raised, including support without a reward, we retain a fee of 12%, VAT included where due. Stripe's payment processing fees are paid by you and come on top of the 12% (see section 15): out of €100 raised, €12 go to the platform and the card fees are paid separately. Payments are processed by Stripe: we do not hold the funds ourselves. The €59 are due for the work carried out and, once the materials have been produced, are not given back — except for the rights the law grants to consumers.

Refunds to backers. If you decide to refund a pledge, you do it yourself from your area on Stripe: the amount leaves your account. Our 12% fee on that pledge is not given back, because it relates to a service already provided; the same goes for Stripe's processing fees on the original payment. The platform does not hold the funds and cannot issue refunds on your behalf.

Credit. Until the campaign is published, the €59 remain valid. If you delete it, they become a credit you can use to activate another campaign without paying again. If the review does not approve it, it goes back to draft and the €59 still remain valid: you can fix it and send it again, or delete it and use the credit for another one. Credit cannot be refunded to your account. Once the campaign is published, the €59 are spent.

Right of withdrawal. Anyone acting as a consumer keeps the rights of withdrawal granted by law, within the limits of art. 59 of the Italian Consumer Code. In practice: if you are an individual and you are not paying for your business or profession, you have 14 days to withdraw from the contract (art. 52 of the Consumer Code). Before you pay — and also before you activate a campaign with a credit — we ask you to confirm this statement: «I ask for production of the materials to start immediately after payment, and I understand that once they have been produced I lose my right of withdrawal.» With that request the materials are produced straight away and, once they have been produced, the right of withdrawal no longer applies (art. 59, paragraph 1, letters a) and o), of the Consumer Code). We confirm the request to you in writing in the unlock email, with the date and the version of the wording.

If you paid without making that request and you withdraw within 14 days, we refund you to your account, using the same means of payment you used. Credit instead of money applies only if you expressly accept it.

15. Payment processing fees and disputed payments

The fees Stripe charges on the money your campaign collects are paid by you, not by the platform, and they come on top of the 12% in section 14, which is calculated on the amount raised, not on what is left after the fees. Stripe's current rates for an Italian account are:

Stripe sets these rates, they may change, and for an account opened in another country that country's rates apply. Above all, they vary depending on the country of your backer's card, so they cannot be predicted in advance: when you set your goal you cannot know what they will cost you in total, and you need to allow for that.

If a backer disputes a payment with their bank (a chargeback), the disputed amount and the dispute fees are paid by you, not by the platform.

16. Tax obligations

The tax obligations arising from your campaign and your rewards — income tax, VAT, tax documents for your backers, tax returns — are entirely yours, under the law of the country where you are based and of any other country where those obligations arise. We do not give tax advice: if in doubt, ask a professional in your country. This clause concerns only your obligations: it neither replaces nor reduces any obligations the law may place on us as the operator of the platform.

17. International sanctions

The platform may not be used by persons or organisations subject to restrictive measures (international sanctions), or by anyone acting on their behalf; no funds may be raised from or towards sanctioned jurisdictions. Screening against the sanctions lists is carried out by Stripe, as a payment institution. We may suspend or close accounts and campaigns when we receive its alerts or when our own checks require it. If an account is blocked because of restrictive measures, any sums are handled as the applicable law requires, including any freezing; outside those cases, the consumer's withdrawal rights are unaffected.

18. Suspension and closure

We may suspend or remove a campaign, and close an account, when there is a serious reason: breach of these terms, well-founded suspicion of fraud, unlawful content, or a request from the authorities. Where possible we notify you beforehand and explain why.

19. Indemnity

You hold us harmless — us, our collaborators and suppliers — from any claim, dispute, request for compensation, cost and legal expense — and from penalties, to the extent the law allows their burden to be transferred — arising from your project, from the content you publish, from the rewards you promise or fail to deliver, from the contacts you upload, from the social profiles you connect, and from any breach of these terms or of the law. If a third party makes a claim against us that depends on you, it is your responsibility.

20. Limitation of liability

The platform is provided «as is». We do not guarantee that it will always be available or error-free, nor that the generated content will be suitable, correct or compliant. We are not liable for a campaign's lack of success, for the relationship between you and your backers, for decisions made by third-party providers, or for indirect damages; our overall liability does not exceed what you have paid us in the last 12 months. Nothing written here excludes liability for wilful misconduct or gross negligence, nor the mandatory rights the law grants to consumers.

21. Your content stays yours

What you upload, and what the platform generates for your campaign, remains yours. You grant us only the licence necessary to host, process and display those materials to run your campaign and, if you allow it, to show it among the platform's examples.

22. Changes, language, governing law, jurisdiction

We may update these terms: material changes will be communicated to you and, for campaigns already live, the terms accepted at launch apply. Italian law applies. For disputes the court of Milan has jurisdiction, unless you are acting as a consumer: in that case the court of your place of residence or domicile has jurisdiction.

These Terms are drafted in Italian. The English version is provided for convenience. In the event of a discrepancy, the Italian version prevails, except where the discrepancy would operate to the detriment of a user who entered into the contract on the basis of the English version, in which case the version they read applies.

Write to us at info@kijodigital.com with any question about this document.