Online fundraising is based on trust. Donors want to know who is behind a fundraiser, where their money is going and whether they can support it with confidence. That is why 4fund.com combines clear fundraising rules with organiser identity verification and additional checks when needed.
Fundraising responsibly also means being honest about the goal, using the money as described and following the rules that apply to the fundraiser. This article explains who can raise money on 4fund.com, how the platform helps keep fundraising safe and transparent, and which fundraising purposes are not allowed.
Responsible fundraising – key information
- 4fund.com is one of the few crowdfunding platforms operating as a licensed payment services provider (licence no. IP48/2019).
- Fundraiser organisers on 4fund.com must be at least 18 years old, reside in the European Economic Area (EEA) and have an identity document issued by an EEA country.
- Account verification is required before a fundraiser can accept donations.
- Fundraiser descriptions must clearly explain the real purpose of the fundraiser.
- Fundraiser purpose verification may require supporting documents.
- Donors can safely support fundraisers from around the world using trusted payment methods.
- Money can be raised on 4fund.com for almost any cause, but some purposes are not allowed.
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Is it legal to ask for money online?
The answer depends on the country, the purpose of the fundraiser and the type of activity involved. Different countries may have different rules, so organisers should always make sure that their fundraiser follows the law that applies to them.
To start fundraising on 4fund.com, an organiser must be an adult who lives in the European Economic Area (EEA), has an identity document issued by an EEA country and completes identity verification. The purpose of the fundraiser must also follow the 4fund.com Terms of Service.
Some fundraising purposes are not allowed on the platform, and some activities may require a permit, licence or other authorisation. Organisers are also responsible for checking any tax duties connected with the funds they receive.
4fund.com allows fundraising for many different goals, including personal needs, medical treatment, help for another person, charity, creative projects, education, travel or other private and social purposes.
Who can start a fundraiser on 4fund.com?
Fundraisers on 4fund.com can be organised by adults who live in the European Economic Area (EEA), have an identity document issued by an EEA country and complete identity verification.
These requirements help keep fundraising transparent and make it clear who is responsible for each fundraiser.
Organiser identity verification
Before a fundraiser can accept donations, the organiser must complete account verification. This helps confirm that a real person is responsible for the fundraiser and makes fundraising on 4fund.com more transparent.
The process includes providing personal details, completing a PEP statement and confirming identity with a valid document and a biometric check. Identity verification is carried out through Onfido, a specialised verification provider, and usually takes only a few minutes.
As a licensed payment services provider, 4fund.com must follow applicable anti-money laundering and counter-terrorist financing (AML/TF) rules. This means the platform must confirm the organiser’s identity and may need to access and keep a copy of the identity document. These copies are stored for the legally required period on encrypted external storage devices disconnected from the Internet and are not disclosed to unauthorised third parties.
Verification involves sensitive personal information, so protecting it is an important part of the process. Verification documents and data are not displayed publicly on the fundraiser page. Only the organiser’s first name, last name and country of residence are shown publicly.
European Economic Area residence
Fundraiser organisers on 4fund.com must reside in the European Economic Area (EEA) and have an identity document issued by an EEA country. The EEA includes all European Union countries, as well as Iceland, Liechtenstein and Norway.
4fund.com is a European fundraising platform operated by Zrzutka.pl sp. z o.o., a licensed payment services provider supervised by the Polish Financial Supervision Authority (KNF). This means the platform operates within the European regulatory framework for payment services.
The residence requirement applies only to organisers. Donors can support fundraisers from around the world, allowing fundraisers on 4fund.com to reach an international community.
How 4fund.com helps keep fundraising safe
Trust is important for both organisers and donors. Identity verification helps confirm who is behind a fundraiser, while additional checks can help confirm that the purpose described on the fundraiser page is genuine.
4fund.com monitors activity on the platform and may ask organisers for additional information or documents when a fundraiser needs to be checked. This creates another layer of protection while keeping fundraising simple and accessible.
Payment and withdrawal security is supported by PayU, one of Europe’s leading payment services platforms. Every connection on 4fund.com is also encrypted with a 256-bit GeoTrust certificate, helping protect data exchanged through the platform.
Fundraiser purpose verification
Fundraiser purpose verification is separate from account verification. Instead of checking the organiser’s identity, it focuses on the fundraiser itself and whether its description and purpose can be confirmed.
Verification of the fundraiser description is required when the balance of a single fundraiser exceeds €5,000, or when an organiser collects more than €12,500 across their fundraisers. A fundraiser may also be selected for verification after a report from a user, as part of preventive risk-based checks or when additional verification is needed during compliance procedures.
Depending on the purpose, 4fund.com may ask for documents that confirm the information presented in the fundraiser description. Organisers can also request purpose verification voluntarily.
Documents provided during verification are handled confidentially and are not published on the fundraiser page. Some verified fundraisers, especially those related to sensitive purposes such as medical treatment or rebuilding a home after a fire, may also display a “Verified fundraiser” credibility mark. This helps donors see that the fundraiser’s purpose has been checked by 4fund.com
Reviewing suspicious fundraisers
Donors and other users can report a fundraiser if something raises concerns about its purpose, description or use of funds. Providing information or evidence with the report helps the 4fund.com team review the case.
A report does not automatically mean that a fundraiser has broken the rules. If there are reasons to investigate further, 4fund.com may start fundraiser purpose verification and ask the organiser for documents or additional information. Withdrawals may be temporarily blocked while the case is being checked.
If a fundraiser is found to break the law or the 4fund.com Terms of Service, the platform can take appropriate action, including stopping the fundraiser, returning available funds to donors or taking action on the organiser’s account.
This reporting system gives the community an additional way to help keep fundraising on 4fund.com transparent and safe.
What fundraising purposes are not allowed?
4fund.com gives organisers freedom to raise money for many different goals. However, fundraisers must have a genuine purpose, follow the 4fund.com Terms of Service and comply with applicable law.
Some purposes cannot be supported through the platform. The most important restrictions are explained below.
Fundraisers with a false description
A fundraiser description must match its real purpose. Donors should be able to understand what they are supporting and how the collected money is intended to be used.
4fund.com takes false or misleading fundraisers seriously. Purpose verification, supporting documents and reports from users help the team check whether the information presented by an organiser can be confirmed.
If there are reasonable grounds to suspect fraud or another violation, 4fund.com can block donations or withdrawals while the case is reviewed. Confirmed cases may result in the fundraiser being stopped, available funds being returned to donors and further action being taken on the organiser’s account.
Fundraisers for fines or bail
4fund.com cannot be used to raise money to cover fines or bail imposed in criminal proceedings. This restriction follows Polish law and is also included in the platform’s Terms of Service.
This does not mean that people facing financial difficulties cannot receive support. Fundraisers can still be created to help with many personal expenses or financial problems, as long as their purpose is allowed under the Terms of Service.
Business and investment fundraisers
4fund.com can be used to raise money for a business idea or to help launch or develop a project. However, fundraising cannot be used to sell company shares or treat donations from supporters as loans.
Organisers also cannot use 4fund.com for activities that require a permit, licence or other authorisation if they do not have the required permission.
This distinction allows entrepreneurs to seek financial support for their ideas while keeping fundraising separate from regulated investment and lending activities.
Other prohibited fundraising purposes
Some purposes are not compatible with a safe and responsible fundraising environment. 4fund.com does not allow fundraisers that promote, support or finance activities such as:
- crime, hate, violence, terrorism or discrimination;
- weapons or prohibited military and paramilitary activities;
- gambling, prostitution or pornography;
- alcohol, tobacco, narcotics or other prohibited substances;
- activities connected with sanctioned countries or regions where such support is prohibited.
Fundraiser content must also respect the rights of others. Content that infringes copyright or other intellectual property rights may be blocked or removed.
How to start a fundraiser safely
Starting a fundraiser on 4fund.com is simple, but responsible fundraising begins before the first donation arrives. A clear purpose and an honest description help donors understand the goal and decide whether they want to support it.
Before collecting donations, organisers should:
- make sure the fundraising purpose is allowed on 4fund.com;
- clearly explain the goal and how the collected funds will be used;
- complete account verification;
- provide accurate information and documents if fundraiser purpose verification is required;
- remember that organisers are responsible for using the collected funds as described and checking any tax duties that may apply.
4fund.com provides tools and verification processes that support safe and transparent fundraising, while organisers remain responsible for the fundraisers they create. More details are available in the dedicated step-by-step guide to starting a fundraiser.
Responsible fundraising is built on a simple principle: being clear about the goal, honest with donors and transparent about how their support will be used.
Collect for what you want. 100% free.
Collect for what you want. 100% free.
Responsible fundraising rules – FAQ
Responsible fundraising means following clear rules, providing accurate information and understanding when verification may be required. The answers below cover the most important safety and compliance questions for organisers on 4fund.com
In which countries is 4fund.com authorised to provide payment services?
4fund.com is authorised to provide payment services across the European Economic Area (EEA): Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden. The platform is operated by Zrzutka.pl sp. z o.o., a payment services provider licensed by the Polish Financial Supervision Authority (KNF) and registered under number IP48/2019.
Why must every fundraiser organiser be verified?
Verification confirms who is behind a fundraiser and helps protect donors from fraud. As a licensed payment services provider, 4fund.com must check organisers’ identities. Every organiser must complete account verification before a fundraiser can accept donations. Verification documents are handled securely and are not displayed publicly.
When is fundraiser purpose verification required?
Verification of the fundraiser description is required when the balance of a single fundraiser exceeds €5,000, or when an organiser collects more than €12,500 across their fundraisers. A fundraiser may also be selected for verification after a report, during preventive risk-based checks or when additional verification is needed. Organisers can also request verification voluntarily.
Can 4fund.com be used for capital investment, company shares or business loans?
4fund.com allows donation-based fundraising for starting or developing a business. However, organisers cannot sell company shares through a fundraiser or treat donations as loans to their business. Activities that require a licence or permit cannot be funded without the required permission.
Which fundraising purposes are prohibited on 4fund.com?
4fund.com does not allow illegal or misleading fundraisers. Prohibited purposes include buying weapons, funding gambling, and promoting hate, violence or terrorism. Raising money for fines or bail imposed in criminal proceedings, selling company shares and treating donations as loans are also not allowed. The full list of restrictions is available in the 4fund.com Terms of Service.
How does 4fund.com help keep users safe?
4fund.com verifies organisers’ identities, checks fundraiser purposes when needed and reviews reports of suspicious activity. Payment and withdrawal security is supported by PayU, one of Europe’s leading payment services platforms, while every connection on 4fund.com is encrypted with a 256-bit GeoTrust certificate. Verification documents are handled securely and are not displayed publicly.
Why does 4fund.com follow AML/TF procedures?
As a licensed payment services provider, 4fund.com must follow anti-money laundering and counter-terrorist financing (AML/TF) rules. These requirements include confirming organisers’ identities and securely storing copies of identity documents for the legally required period. The documents are kept on encrypted external storage devices disconnected from the Internet and are not disclosed to unauthorised third parties.