1. About Cado
Cado is an online platform for creating celebration invitations, collecting RSVPs, sharing gift ideas and receiving monetary gifts from guests.
Cado is operated by GIVE CADO Ltd (“Cado”, “we”, “us” or “our”).
Company number: 16839037
Registered office: Flat 31, Green Side Views, 38 Mill Green Road, Mitcham, England, CR4 4FQ
Customer support email: support@givecado.com
Website: givecado.com
These terms explain the relationship between Cado and people who create celebrations (“hosts”) and people who respond to invitations or contribute gifts (“guests”). A “recipient” is the person for whom a gift is intended.
Please read these terms before creating an account or making a contribution. We make the applicable terms available before you agree to them and provide a copy or confirmation you can keep when you enter into a paid service contract.
2. Who can use Cado
Account holders, hosts and people making monetary contributions must be aged 18 or over and able to enter into a binding contract. A parent or legal guardian may create a celebration for a child and receive gifts on the child’s behalf.
If you act for someone else, you must have authority to do so. Hosts must make clear who will receive and manage the money, particularly where the celebration is for a child or another person.
You must provide accurate information and keep your account and payout details up to date. You are responsible for keeping your login details secure and must tell us promptly if you suspect unauthorised access.
3. What Cado provides
Cado provides tools for invitations, RSVPs, gift lists, messages and monetary contributions. Available features are described on the website.
Hosts organise their own celebrations and are responsible for the accuracy of the information they publish, communications with guests and delivery of any arrangements they make. Cado does not organise or attend celebrations or guarantee that they will take place.
A gift idea or external retailer link is not an order placed with Cado. Unless expressly stated otherwise, Cado does not purchase, supply or deliver listed gifts. Purchases from another retailer are subject to that retailer’s terms.
Cado is intended for personal celebrations and gifting. It is not an investment, lending or charitable fundraising platform. Contributions do not give guests an investment interest, repayment entitlement or entitlement to Gift Aid.
4. Creating and sharing a celebration
Creating and sharing a standard celebration is free. You do not need to make a monetary contribution to RSVP or view an invitation. Any optional paid features will be clearly priced and separately agreed before purchase.
Hosts must review their celebration details before sharing them. Hosts are responsible for choosing appropriate information to include and for sharing invitation links with their intended guests.
Anyone who receives a shareable link may be able to open or forward it. Do not assume that an invitation is private simply because it is not promoted publicly. The website will explain any available access controls.
Hosts must not publish sensitive information, children’s full identifying details, private addresses or photographs unless it is appropriate and they have the necessary authority or permission. Hosts must respect guests’ privacy and use guest information only for the celebration and related communications, unless another lawful basis applies.
5. Receiving contributions and Stripe setup
Monetary contributions are processed using Stripe. A host must complete the required Stripe Connect onboarding and verification, provide eligible payout details and have the relevant payment capabilities enabled before guests can contribute. Until those requirements are satisfied, the contribution option will not be available.
Hosts must comply with the applicable Stripe connected account agreement, shown during onboarding, and provide information reasonably required for identity checks, payment processing, fraud prevention and legal compliance.
Contributions are intended for the recipient identified on the celebration page. Where the host receives money on someone else’s behalf, the host is responsible for using or passing on that money consistently with the purpose disclosed to guests.
Stripe verification, settlement periods, payout schedules, bank processing and payment reviews may affect when funds become available. Any stated payout estimate is an estimate, unless expressly guaranteed. An incomplete verification process may prevent or delay payouts.
Cado is not a bank and does not offer a savings account or interest on contributions. A balance shown on Cado records payment activity; it is not a promise that every payment has cleared or is immediately available for withdrawal.
6. Contributions and fees
Contributions are voluntary. Guests must check the recipient, celebration, amount, currency and charges before confirming payment and must use a payment method they are authorised to use.
Cado deducts a platform fee of 10% of each monetary contribution. A separate £0.49 guest fee is added to each contribution transaction paid in pounds sterling.
Cado covers Stripe payment processing and Connect fees within its charges; these costs are not deducted separately from the host’s gift amount.
For example, if a guest chooses a £20 contribution, the guest pays £20.49. Cado deducts £2 from the contribution and the host receives £18.
Before payment, we show the contribution amount, guest fee, total payable and the amount the host is expected to receive after the disclosed deductions. You will not be charged an undisclosed mandatory Cado fee.
The currencies and host countries currently supported are shown on the website. Only currencies enabled at checkout are available. The £0.49 guest fee applies to GBP contributions; any fee for another currency will be displayed before payment. Future currencies are not available until enabled on Cado.
Your bank or card provider may charge its own currency conversion or other fees. These are outside Cado’s control.
A contribution is confirmed when payment has successfully completed, not simply when a guest starts checkout. A payment confirmation does not prevent a later lawful refund, reversal or chargeback.
Fees agreed for a completed transaction will not be increased retrospectively. We will disclose any new pricing before it applies to a future transaction.
7. Gift ideas and use of contributions
Gift ideas are suggestions, not commitments to purchase particular items. A contribution is a monetary gift for the identified recipient, managed by the host, even when the guest selects a displayed gift idea.
The host is not required to buy the pictured or named item and may choose how to use the money for the recipient. Cado does not purchase or deliver listed items or guarantee their price or availability.
Hosts must not mislead guests about the recipient or purpose of a celebration. If the identified recipient or the fundamental disclosed purpose changes, the host must inform affected guests and offer the choice of a full refund or leaving the gift for the revised purpose. Choosing a different item from a suggested gift idea does not by itself constitute such a change.
8. Cancelled celebrations and contribution refunds
If a host cancels a celebration, the host must promptly inform guests and stop requesting further contributions for that celebration.
Guests may choose to leave their contribution as a gift or request a refund. A cancellation does not automatically mean a guest wishes to withdraw their gift.
Hosts must cooperate with valid refund requests arising from cancellation or a change to the identified recipient or fundamental disclosed gifting purpose. If the host has already received a payout, the host must return the net contribution needed to fund their part of the refund.
To request a refund, contact support@givecado.com with the celebration name, payment reference and an explanation. We may ask for proportionate information to locate the payment and establish the request.
When a guest requests a refund because the celebration is cancelled or the identified recipient or fundamental disclosed gifting purpose changes, we refund the full original payment, including the contribution and guest fee. Cado reverses its platform fee and absorbs any Stripe processing costs that Stripe does not return. The host is responsible for returning the net contribution already paid out to them; Cado covers the fees it retained. No Cado or Stripe fee is deducted from this refund.
Refunds are issued in the original transaction currency. A bank or card provider may apply its own exchange rate or charges, so the amount appearing in the guest’s home currency may differ.
Outside cancellation, a material change or a legal entitlement to a refund, a change-of-mind request about a completed gift is considered with the host. We do not promise that every voluntary gift can be recalled.
If you suspect an incorrect, duplicate or unauthorised payment or fraud, contact us promptly. We will investigate matters within our control and cooperate with the host and payment provider as appropriate. You may also contact your bank or payment provider directly. These terms do not limit your legal rights concerning unauthorised payments, disputes or chargebacks.
Approved refunds are normally sent to the original payment method. We will tell you when a refund is initiated and give the available processing estimate. Bank processing may take additional time. Account deletion does not erase an outstanding refund obligation or payment dispute.
9. Cancelling a paid Cado service
This section concerns a paid service supplied by Cado. It is separate from a monetary gift to a recipient.
Where statutory cancellation rights apply, a consumer may cancel the service contract within 14 days after the day it is entered into, without giving a reason. Contact support@givecado.com with a clear statement that you wish to cancel. You may use the form below, but do not have to.
If you expressly ask us to start a paid service during that period, you may have to pay a proportionate amount for the service actually supplied before cancellation, where the law permits and the required information and consent were provided.
You lose the statutory right to cancel a service once it is fully performed only where you expressly requested early performance and acknowledged that full performance would end that right. Simply accepting these terms or using a free feature does not automatically waive cancellation rights.
Where a statutory service refund is due, we will make it within the applicable legal deadline, normally within 14 days after being informed of cancellation, using the original payment method unless otherwise agreed.
Nothing in this section restricts rights concerning a service that is faulty, misdescribed or not supplied with reasonable care and skill.
Optional cancellation form
To: GIVE CADO LTD, Flat 31, Green Side Views, 38 Mill Green Road, Mitcham, England, CR4 4FQ, support@givecado.com
I give notice that I cancel my contract for the following Cado service:
10. Disputed payments and host cooperation
Payments may be reviewed, refunded or reversed under applicable law and payment provider rules. A host’s displayed balance or available payout may change as a result.
Hosts must respond to reasonable requests for information about contributions and cooperate in resolving suspected fraud, payment errors, refunds and disputes.
If money already paid to a host must be returned following a valid refund or reversal, the host must return the relevant amount. We will explain the reason and amount requested.
Any recovery must reflect the actual amount properly owed, applicable law and the payment arrangements disclosed to the host. Hosts are not automatically responsible for losses caused by Cado’s own breach or error. We will not impose an undisclosed penalty or charge an unrelated payment method without a lawful basis and any required authorisation.
11. Acceptable use
You must not use Cado to:
- Create fraudulent or misleading celebrations or impersonate another person.
- Collect money for unlawful activities or prohibited goods or services.
- Launder money, evade payment verification or misuse another person’s payment details.
- Run investments, loans, gambling, raffles or charitable fundraising through a personal celebration.
- Publish unlawful, abusive, discriminatory or rights-infringing content.
- Share someone’s private information without authority or use guest data for unsolicited marketing.
- Interfere with the platform’s security, scrape personal information or attempt unauthorised access.
We may remove content or restrict an account where reasonably necessary to address these issues, comply with law or protect users.
12. Your content and Cado’s intellectual property
You retain ownership of content you upload. You must have the rights and permissions needed to share it.
You grant Cado a non-exclusive licence to store, display, format and transmit that content only as necessary to provide the service, carry out your sharing instructions and meet legal obligations. This licence does not give us permission to use your private celebration or children’s photographs in advertising without separate permission.
Cado’s branding, designs, templates, software and other platform materials belong to Cado or its licensors. You may use them through the service for your celebration, but may not resell them or reproduce them outside that permitted use without permission.
13. Personal information
Our Privacy Notice explains what personal information we collect, how and why we use it, who receives it, retention periods and your rights. Our Cookie Notice explains the cookies and similar technologies we use.
The host can see the RSVP, message and contribution information disclosed to the host in the relevant form. Public visibility and any anonymous-gifting option will be explained before submission. An anonymous display option does not make a payment anonymous to Cado or its payment provider.
Accepting these terms is separate from agreeing to marketing or optional cookies. Hosts and guests must respect other people’s privacy.
14. Availability and account closure
We will provide Cado’s services with reasonable care and skill. We may need to interrupt access for maintenance, updates, security work or circumstances outside our reasonable control. We will give reasonable notice of planned material interruptions where practicable.
You may close your account by contacting support@givecado.com. Closing an account does not automatically refund gifts, resolve disputes or remove records we must lawfully retain.
We may suspend or close an account for a serious or repeated breach, suspected fraud, security risk or legal requirement. Where appropriate, we will explain the reason and give an opportunity to resolve the issue or request a review. We may act immediately where advance notice would create a risk or be unlawful.
If we permanently discontinue a service, we will give reasonable notice where practicable and explain arrangements for relevant records, outstanding payments and refunds for paid services not provided. Suspension or closure does not allow Cado to confiscate gifts or retain fees contrary to law.
15. Our responsibility to you
We are responsible for loss or damage that is a foreseeable result of our breach of these terms or failure to use reasonable care and skill.
We are not responsible for a host’s independent actions, a retailer’s products or events outside our reasonable control, except to the extent our own breach or failure contributed to the loss. We will take reasonable steps to reduce the effects of a service disruption.
Cado is provided for personal use. We do not accept responsibility for business losses such as loss of business profits or commercial opportunities arising from that personal use.
Nothing in these terms excludes or limits liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence, or any liability or consumer right that cannot lawfully be excluded or limited.
16. Complaints
Contact support@givecado.com with details of your complaint and any relevant celebration or payment reference. We will investigate and explain our response and any available next steps.
You may raise complaints about payment services with the relevant payment provider under its complaints procedure. We will explain which provider is relevant where we can. This does not restrict your right to seek independent advice or bring legal proceedings.
17. Changes to these terms
We may update these terms to reflect changes to law, security requirements or our services. We will publish the updated version and explain material changes to affected account holders with reasonable notice where practicable.
Changes will not retrospectively alter completed contributions, agreed fees or existing refund rights. If a change materially affects an ongoing paid service, we will explain any right to end that service and receive a refund for the unused part. Where consent is required, we will obtain it.
18. Governing law
These terms are governed by the laws of England and Wales. If you are a consumer, this does not deprive you of mandatory protections under the law of the country where you habitually live.
The courts of England and Wales may hear disputes. Consumers may also bring proceedings in the courts of their home jurisdiction where applicable law allows. These terms do not require consumers to use compulsory arbitration.
FAQ